Progressive is one of the largest providers of insurance products in the US, covering more than 13 million people. Since 1956 they’ve specialized in the niche market of high-risk drivers.
If you’re already a Progressive customer or thinking or becoming one, there’s good news: You can get your SR-22 documents through Progressive.
Compare car insurance providers
Getting SR-22 insurance with Progressive
If you’re currently insured by Progressive, simply contact your agent to begin the process. Your provider will file for your SR-22 on your behalf. You’ll typically pay a fee of $25 to $50 for the paperwork and filing. Because those who require an SR-22 are considered high-risk drivers, you’ll likely see your premiums increase.
Progressive offers several discounts that can help you shave down the costs of your premium, so ask your agent if you’re eligible for these savings.
If you aren’t yet a Progressive customer, apply online for a policy. As you complete your application, you’ll simply check a box when asked if you require any special documentation.
What is SR-22 Insurance?
SR-22 insurance isn’t actually insurance at all. Rather, it’s a document that some drivers are required to have that certifies mandated coverage in their state.
Depending on your state’s laws, you could be required to file an SR-22 if:
- You’re convicted of a DUI/DWI.
- You’re found guilty of driving without car insurance.
- You’re involved in an accident that causes death or injury.
- You’ve accumulated a lot of points on your driving record.
Do I need SR-22?
If you’re required to file an SR-22 to get back on the road, either your state’s motor vehicles department or a judge will alert you that you need to file the necessary paperwork. Those that need an SR-22 are considered high-risk drivers. Not all insurance companies will cover high-risk drivers. But Progressive specializes in insuring high-risk drivers through an easy online process.
What if I don’t have a car?
Because an SR-22 covers a driver and not the driver’s car, it’s possible that you’ll need SR-22 coverage even without a vehicle to insure. In this case, Progressive may issue a “nonowner” SR-22.
If you plan to drive at all, you’ll need the nonowner SR-22 to avoid fees and penalties that could include jail time, depending on your state. The costs of a nonowner SR-22 depend on your age, gender, ZIP code and reason for this extra coverage. It’s best to call and speak with an agent for guidance.
Other providers that offer SR-22 coverage
How long will I be required to file SR-22 documents?
For as long as you’re required by the state’s orders, you’ll need to keep your insurance policy active and a current SR-22 on file. As long as your Progressive policy is in good standing, they will handle filing the SR-22 documents with your state. If you miss a payment or let your policy lapse, it’s Progressive’s responsibility to report that to your state. Often a driver who lets their policy lapse loses their SR-22 — and therefore the right to legally drive in their state.
What happens when I don’t need an SR-22 anymore?
Once your required time is up — typically three years, depending on your state — your state’s DMV will let you know. At that time, you can let Progressive know to remove the SR-22 from your policy. Once they’ve confirmed with the DMV that you no longer need this extra coverage, you should be back to a cheaper policy.