Cheapest SR-22 Insurance Companies
Prices reviewed 2026-11-13
Recent rate studies don't crown a single winner, but the same companies keep landing near the top. Use this as a shortlist, then compare actual quotes.
Company names are trademarks of their owners and are used for identification only. We are not affiliated with these insurers. Rankings summarize published studies and can change.
Shortlist at a glance
| Company | Why it's on the list | Watch out for |
|---|---|---|
| Auto-Owners | Some of the lowest SR-22 averages in national studies | Sold only in about 26 states, through independent agents |
| State Farm | Frequently the cheapest SR-22 option state by state | Prices vary between local agents |
| GEICO | Lowest average among big national direct writers in several studies | May decline some severe records |
| Progressive | Competitive for major violations and lapses | DUI pricing varies widely by state |
| Erie | Often the cheapest after a DUI where it operates | Limited footprint |
| USAA | Very low prices for eligible members | Military families only |
| The General and Dairyland | Accept drivers others decline | Usually not the cheapest for clean-ish records |
Cheapest company by situation
Lapse or no-insurance ticket
Mainstream carriers such as State Farm and GEICO often stay competitive, because a lapse is the mildest SR-22 trigger.
After a DUI
Erie, State Farm and Progressive often appear near the top in DUI studies. See cheap SR-22 after a DUI.
Multiple violations
Non-standard insurers such as The General, Dairyland and regional high-risk carriers may be the only ones willing to quote.
Why you shouldn't stop at one company
National averages hide huge local differences. The cheapest carrier in Ohio might be mid-pack in Arizona. Independent agents can quote several carriers at once. Compare quotes.
Which company is cheapest for SR-22 insurance?
No single company is cheapest everywhere. Auto-Owners, State Farm, GEICO and Erie frequently post the lowest averages, but your state and record decide the winner.
Do all insurers file SR-22s?
No. Some don't, and some will cancel drivers who need one, which is another reason to shop around.