Best SR-22 Insurance Companies
Filing speed and state availability vary more between these carriers than price does. Here's how the four we see most often in state filing records actually compare.
Progressive
Same-day electronic filing in nearly every state, plus non-owner policies.
Get a QuoteDairyland
Built specifically for SR-22 and non-standard drivers most carriers turn away.
Get a QuoteGEICO
Fast electronic filing if you're already insured with them or switching in.
Get a QuoteHow We Compared Them
We weighted these four factors, in order: filing speed and method, state availability, non-owner and situational coverage, and cost transparency. We didn't weight affiliate commission, ad spend, or aggregator star ratings — full methodology on how we review providers.
Side-by-Side Comparison
| Carrier | Filing Speed | States | Non-Owner | Best For |
|---|---|---|---|---|
| Progressive | Electronic, same-day | Nearly all 50 | Yes | Widest availability |
| GEICO | Electronic, same-day | Most states | Yes | Existing policyholders |
| Dairyland | Electronic, 24–48 hrs | Most states | Yes | High-risk / non-owner specialist |
| The General | Electronic, 24–48 hrs | Most states | Yes | Multiple violations, harder-to-place risk |
In-Depth Reviews
Progressive
Same-day filingProgressive writes SR-22 policies in nearly every state and files electronically, typically same-day. It's a solid default starting point precisely because it doesn't specialize narrowly — it works for standard drivers who suddenly need an SR-22 as well as for non-owner situations.
Pros
- Broadest state coverage
- Same-day electronic filing
- Non-owner policies available
Cons
- Not a high-risk specialist — pricing after multiple violations may run higher than dedicated non-standard carriers
GEICO
Same-day filingGEICO handles SR-22 filings efficiently, especially if you're already a policyholder — the filing can often be added to an existing policy rather than requiring a new one. Availability for non-standard risk profiles is somewhat narrower than Progressive's.
Pros
- Fast for existing customers
- Non-owner policies available
Cons
- May be more selective on higher-risk profiles (multiple violations)
Dairyland
High-risk specialistDairyland is built around non-standard and high-risk drivers specifically, which means it's often a better fit than a general carrier once you're dealing with a DUI or multiple violations that a standard insurer might decline.
Pros
- Specializes in exactly this risk category
- Strong non-owner options
Cons
- Filing takes slightly longer than Progressive/GEICO's same-day turnaround
The General
High-risk specialistThe General is another dedicated high-risk carrier, often a good fit specifically after multiple violations or a suspended license where broader carriers are more likely to decline coverage.
Pros
- Writes policies for harder-to-place risk profiles
- Non-owner options available
Cons
- Not always the cheapest option for lower-risk SR-22 situations (e.g., a simple coverage lapse)
What to Look For
- Confirm electronic filing — a mailed paper filing can cost you a week you don't have.
- Ask if the filing fee is separate from the state's own fee, and get that in writing.
- Check non-owner availability upfront if you don't own a vehicle — not every carrier offers it in every state.
- Get at least two quotes — pricing spread after a DUI or multiple violations is often wider than for standard drivers.
Frequently Asked Questions
Is the cheapest SR-22 provider always the best choice?
Not necessarily — a slightly higher premium from a carrier with same-day electronic filing can matter more than a small savings if you're on a tight reinstatement deadline.
Can I switch SR-22 providers mid-term?
Yes, but coordinate the timing carefully so there's no gap in coverage — a lapse restarts your required period in most states. See how the timeline works.