Best SR-22 Insurance Companies for 2026
Not all insurers handle SR-22 the same way. These companies specialize in high-risk coverage and can get you filed quickly at competitive rates.
Non-Standard Insurers Often Have Better Rates
Companies that specialize in high-risk drivers (Progressive, Dairyland, The General) often offer lower rates than standard insurers because SR-22 is their core business.
Top SR-22 Insurance Companies
Our picks based on rates, filing speed, and customer experience
Progressive
Top PickOverall best for SR-22
Filing Speed
Same day electronic
Premium Range
Moderate
Availability
All 50 states
Pros
- Largest high-risk insurer in the US
- Same-day electronic SR-22 filing
- Easy online quote process
- Snapshot program for potential discounts
Cons
- Rates can be high for multiple violations
- Customer service varies by location
Progressive is typically the first choice for many SR-22 drivers due to their size and experience with high-risk policies.
Dairyland
Specialized high-risk coverage
Filing Speed
Same day
Premium Range
Competitive
Availability
Most states
Pros
- Specializes exclusively in high-risk drivers
- Often lower rates than standard insurers
- Experienced with SR-22 filing process
- Flexible payment options
Cons
- Not available in all states
- Less brand recognition
Dairyland is owned by Sentry Insurance and focuses specifically on non-standard auto insurance.
Full Company Comparison
Quick comparison of all major SR-22 providers
| Company | Rating | Filing Speed | Premium Range | Best For |
|---|---|---|---|---|
Progressive | 4.5 | Same day electronic | Moderate | Overall best for SR-22 |
Dairyland | 4.3 | Same day | Competitive | Specialized high-risk coverage |
The General | 4 | Same day | Varies widely | Quick approval, poor credit |
State Farm | 4.2 | 24-48 hours | Higher | Existing customers with single DUI |
GEICO | 4.1 | 24-48 hours | Moderate to High | Competitive rates, good drivers with single incident |
Bristol West | 4 | Same day | Competitive | Non-standard specialist |
Other Options
The General
Quick approval, poor credit
Filing
Same day
Availability
Most states
State Farm
Existing customers with single DUI
Filing
24-48 hours
Availability
All 50 states
GEICO
Competitive rates, good drivers with single incident
Filing
24-48 hours
Availability
All 50 states
Bristol West
Non-standard specialist
Filing
Same day
Availability
Select states
What to Look For in an SR-22 Insurer
Key factors when choosing your provider
Filing Speed
How quickly they can file your SR-22 with the state. Same-day electronic filing is ideal.
Premium Rates
Monthly/annual premium costs. Can vary 50-200% between companies for the same driver.
Acceptance Criteria
How strict their underwriting is. Some accept almost anyone; others have strict requirements.
Customer Service
Quality of support when you have questions or need to make changes to your policy.
Tips for Getting the Best SR-22 Rates
How to minimize your premium costs
Get Multiple Quotes
Rates can vary 50-200% between companies. Always compare at least 3-5 insurers before deciding.
Try Non-Standard Insurers First
Companies like Dairyland and Progressive often beat standard insurers on SR-22 rates because it's their specialty.
Ask About Discounts
Even with SR-22, you may qualify for multi-policy, defensive driving, or payment discounts. Always ask.
Company Availability Varies by State
Not all insurers operate in every state. Some companies like Dairyland and Bristol West have limited availability. Check your state-specific options for the most accurate information.
Related Guides
Methodology
Company ratings based on industry reputation, customer reviews, filing speed, rate competitiveness, and availability. Updated for 2026.
- Data compiled from AM Best financial ratings, J.D. Power customer satisfaction surveys, and state insurance department filings.
Last updated: January 8, 2026
Compare SR-22 Quotes Now
Get quotes from multiple SR-22 specialists in minutes. See exactly what you'll pay.
Get SR-22 QuotesDisclosure: This page contains affiliate links. We may earn a commission if you purchase insurance through our partners, at no additional cost to you. Our recommendations are based on objective criteria and are not influenced by compensation.