Cheapest SR-22 Insurance by State
The "cheapest" carrier changes depending on your state's minimum coverage requirement and which insurers actually file there electronically. Here's how to find it for yours.
Why Cost Varies So Much by State
Your state sets the minimum liability limits an SR-22 policy must meet, and that minimum swings from state to state — some require basic minimums, others (like Virginia and Florida's FR-44) require roughly double. More required coverage means a higher base premium before your driving record is even factored in. State filing fees also differ, though those are small ($15–$25 typically) compared to the coverage cost itself.
How to Actually Find Your Cheapest Option
- Look up your state's specific minimum liability requirement and typical filing fee — see state-by-state requirements.
- Get quotes from at least three carriers that file SR-22s in your state — pricing spread between insurers is often wider than people expect.
- Weight non-owner status — if you don't own a car, a non-owner policy is almost always cheaper than insuring a specific vehicle. See best non-owner providers.
- Ask each carrier directly whether they charge their own SR-22 processing fee on top of the state's fee.
Quick Reference: Filing Fee & Duration by State
Below is a sample of states with typical filing fees and required duration. Full data for all 50 states + DC lives on the state directory — figures shown are typical ranges, always confirm with your state DMV/BMV.
| State | Typical Filing Fee | Typical Duration |
|---|---|---|
| California | $15 – $25 | 3 years |
| Texas | $15 – $25 | 3 years |
| Florida | $15 – $25 | 3 years |
| New York | $15 – $25 | 3 years |
| Ohio | $15 – $25 | 3 years |
| Georgia | $15 – $25 | 3 years |
| Illinois | $15 – $25 | 3 years |
| Arizona | $15 – $25 | 3 years |
Carriers Worth Comparing in Most States
| Carrier | Why It's Often Competitive |
|---|---|
| Progressive | Broad availability keeps quotes competitive in most states |
| Dairyland | Specializes in this exact risk category — often prices it more efficiently than generalists |
| GEICO | Competitive if you're bundling with an existing policy |
Full breakdown: Best SR-22 Insurance Companies.
Quick Answers
Is the filing fee the same in every state?
No — it typically runs $15–$25 but varies by state, and some states charge it annually rather than once. Check your state's page.
Does shopping around actually save meaningful money?
Often yes — because SR-22 pricing reflects each carrier's own risk appetite for your specific violation, quotes can vary more than they would for a standard policy.