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How to get an SR-22 with Progressive

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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.

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Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Optional
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Optional
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

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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.

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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

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Optional
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Optional
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

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.

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Compare the best car insurance companies near you.

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Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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14 Responses

  1. Default Gravatar
    timothyAugust 10, 2018

    I’ve never had license but need sr22 to get my licences. How do I go about it without licence?

    • finder Customer Care
      johnbasanesAugust 11, 2018Staff

      Hi Timothy,

      Thanks for leaving a question on finder.

      While car insurance companies normally require you to have a valid driver’s license to be able to obtain a car insurance policy, they do make exceptions because there are scenarios when getting the license is dependent upon having insurance.

      Car insurance companies that file an SR-22 are aware that many times the state must receive this certificate of financial responsibility before a license will be reinstated. For this reason, they will allow you to start up your policy and give you time to get your license. You will be provided a time frame for you to get your valid license and if this lapses you may need to do the process again. You may need to speak with an insurance agent who specializes in SR-22 coverage for a more detailed explanation on what you need to do to obtain your license.

      Hope this helps!

      Cheers,
      Reggie

  2. Default Gravatar
    HuntetJuly 19, 2018

    I need non owner sr22 in colorado. I haven’t had a license in over 3 years. How do I go about getting a non owner sr22

    • finder Customer Care
      nikkiangcoJuly 22, 2018Staff

      Hi Hunter!

      Thanks for leaving a question on our page.

      To get an SR-22-Non-Owner, simply contact Progressive to start the application process. 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.

      Hope this helps!

      Nikki

  3. Default Gravatar
    JoanJune 4, 2018

    In Colorado is a SR 22 required for 3 years from the time of DUI ticket issued or 3 years from time gets a license. Grandson was 17 when he got DUI August 6 2016. Hasn’t driven or had a license since then. How long is a DUI on your driving record? How much would a non-owner SR 22 cost him?

    • finder Customer Care
      JoshuaJune 6, 2018Staff

      Hi Kendacie,

      Thanks for getting in touch with finder. I hope all is well for you. :)

      In general, your SR22 status must be maintained for at least three years following a DUI related license suspension. You do not need to refile each year.

      The period of time that a DUI case will remain on someone’s criminal record in Colorado will vary according to whether the person was convicted of the drunk driving offense.

      The length of time for DUI to stay on your record depends on whether your grandson has been convicted of a DUI or not. In this case, the DUI incident will stay forever on his record.

      It is recommended that you talk to a legal expert to learn more about this topic.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  4. Default Gravatar
    CadeeMarch 21, 2018

    I need sr22 insurance but I already have state farm. Do I have to get progressive insurance for a sr22?

    • finder Customer Care
      MayMarch 24, 2018Staff

      Hi Cadee,

      Thanks for your inquiry! Although you already have an insurance with State Farm, but if you’ve been required by your state to get this certificate, you should comply. You can even request to add an SR-22 to your policy by calling your insurer. Progressive is just one of the providers where you can get SR-22, some others that you can go to are listed on this page.

      Cheers,
      May

  5. Default Gravatar
    LisaNovember 20, 2017

    Does Progressive offer a non-owner SR-22 policy?

    • finder Customer Care
      JudithNovember 21, 2017Staff

      Hi Lisa,

      Thanks for your question. I hope all is well with you today.

      Progressive may issue a nonowner SR-22. The costs of a nonowner SR-22 depend on your age, gender, ZIP code and reason for this extra coverage. Kindly reach out to an agent about it.

      This information is also on the page you’re viewing. You may scroll down and search for the topic “What if I don’t have a car?”

      I hope this helps.

      Best regards,
      Judith

  6. Default Gravatar
    JodyeOctober 4, 2017

    Does my sr22 file get entered into the system at the bmv or do I have to have a copy of it when reinstating my license

    • finder Customer Care
      JhezelynOctober 5, 2017Staff

      Hi Jodye,

      Thank you for your comment.

      For reinstatement of license, you will need to get an SR22 from your insurance company. Your insurance provider must electronically file proof of future financial responsibility with a SR22 form for you to be reinstated. The SR22 requirement, along with any reinstatement fees, must be satisfied before your driving privileges will be reinstated.

      Regards,
      Jhezelyn

  7. Default Gravatar
    JarrettSeptember 25, 2017

    How long will it take to get the sr22 form emailed to me ? Or how long will it take for for progressive to send sr22 to the dmv?

    • finder Customer Care
      AnndySeptember 26, 2017Staff

      Hi Jarrett,

      Thanks for your question.

      Kindly give Progressive a call to confirm the status of your request for an SR22 form.

      Cheers,
      Anndy

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