2026 Rankings

Best SR-22 Insurance Carriers After a DUI

Most standard insurers won't write new policies after a DUI. These carriers specialize in exactly this situation — ranked by cost, availability, and how quickly they file.

6

Carriers Reviewed

$1,200+

Lowest Annual Rate

Same-Day

Filing (top carriers)

Why not State Farm or GEICO?

State Farm and GEICO will occasionally keep existing customers after a first DUI, but they routinely decline or non-renew high-risk drivers shopping for new coverage. The carriers below are built for this market and won't waste your time.

SR-22 Carriers Ranked

Progressive

Editor's Pick

Best for: Most DUI drivers · All 50 states

$1,500–3,000

per year (typical)

Pros

  • One of the few major carriers that regularly writes new policies after a DUI
  • Electronic SR-22 filing — same-day in most states
  • Competitive rates for first-time DUI offenders
  • Online quote and policy management
  • Snapshot telematics can lower rates over time

Cons

  • Rates can be steep for multiple DUIs or recent offenses
  • May non-renew after a second DUI depending on state

Filing fee: $15–25 (one-time)

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Dairyland

High-Risk Specialist

Best for: Non-standard and lapsed coverage · 48 states

$1,200–2,800

per year (typical)

Pros

  • Built specifically for the non-standard (high-risk) auto market
  • Strong track record with lapsed coverage and multiple violations
  • Flexible payment plans including monthly and quarterly
  • Often competitive when Progressive and others are not
  • SR-22 filing included — no separate fee at most agents

Cons

  • Smaller footprint than national carriers — fewer agent locations
  • Online tools less polished than Progressive

Filing fee: $15–25 (one-time)

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The General

Best for Hardest Cases

Best for: Multiple violations or hard-to-place drivers · Most states

$1,400–3,500

per year (typical)

Pros

  • Known for accepting drivers other carriers refuse
  • Multiple DUIs, license suspensions, and gaps in coverage all considered
  • Online quote and policy in minutes
  • SR-22 and FR-44 filing available
  • No policy cancellation for minor credit issues

Cons

  • Rates tend to be higher for equivalent risk vs. Dairyland or Progressive
  • Customer service reviews are mixed

Filing fee: $15–25 (one-time)

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Bristol West

Progressive Subsidiary

Best for: Drivers declined by Progressive directly · 43 states

$1,300–2,900

per year (typical)

Pros

  • Writes policies for drivers Progressive itself will not take directly
  • Same electronic filing infrastructure as Progressive
  • Available through independent agents in most states
  • SR-22 and FR-44 both available

Cons

  • Must go through an independent agent — no direct online purchase
  • Less brand recognition means fewer reviews to evaluate

Filing fee: $15–25 (one-time)

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National General

Multi-State Specialist

Best for: Drivers who have recently moved states · All 50 states

$1,200–3,000

per year (typical)

Pros

  • Strong non-standard market presence in all 50 states
  • Good option when you need to transfer SR-22 across state lines
  • Allstate subsidiary — stable financial backing
  • Competitive for drivers 2+ years post-offense

Cons

  • Rates for fresh DUI convictions can be higher than Dairyland
  • Less specialized in SR-22 than Dairyland or Direct Auto

Filing fee: $15–25 (one-time)

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How to Choose the Right Carrier

Get at least 3–4 quotes

Rates for the same driver can vary by $1,000+ per year. The carrier that is cheapest for one person may not be cheapest for you.

Call your current insurer first

If they will keep you and file SR-22, staying is usually cheaper than switching — you skip a new policy setup fee and avoid any coverage gap.

Ask specifically about SR-22

Don't assume your insurer files SR-22. Ask directly: "Will you file an SR-22 for me and what will my new premium be?"

Check filing speed

If your license is already suspended, you need a carrier that files electronically same-day. Confirm before purchasing.

Confirm FR-44 if in FL or VA

Florida and Virginia require FR-44 (not SR-22) after a DUI. Make sure your insurer files the correct form — they are not interchangeable.

Set up autopay immediately

A lapsed SR-22 triggers an SR-26 and immediate license suspension. Autopay is the simplest protection against accidentally missing a payment.

What You'll Actually Pay

SR-22 Filing Fee$15–25 (one-time)
Annual Premium — Year 1 (DUI)$1,500–5,000+
Annual Premium — Year 2$1,300–4,500
Annual Premium — Year 3$1,200–4,000
Non-Owner SR-22 (no vehicle)$300–800/year
Estimated 3-Year Total$4,000–13,500

Shopping multiple carriers is the single most effective way to reduce costs. See the full breakdown on the SR-22 cost page.

Frequently Asked Questions

Which carrier is best for SR-22 after a DUI?
Progressive is the best starting point for most DUI drivers — it's one of the few major carriers that regularly accepts new SR-22 customers after a DUI and files electronically same-day. If Progressive's rate is too high, get a quote from Dairyland, which is built specifically for the high-risk market and often beats Progressive on price.
Will State Farm or GEICO write SR-22 insurance after a DUI?
State Farm and GEICO will sometimes file SR-22 for existing customers after a first DUI, but they routinely non-renew or decline new high-risk customers. If you are shopping for new coverage after a DUI, focus on Progressive, Dairyland, Direct Auto, The General, or Bristol West instead.
How much does SR-22 insurance cost per year with these carriers?
Annual premiums after a DUI typically range from $1,200 to $3,500 with these carriers. The filing fee itself is only $15–25 one time. Your exact rate depends on your state, offense type, prior record, age, and vehicle. Getting at least 3–4 quotes is the single best way to reduce costs — the spread between carriers for the same driver can exceed $1,000/year.
Which carrier files SR-22 the fastest?
Progressive and Bristol West both file SR-22 electronically, typically within the same business day you purchase the policy. Direct Auto locations can also file same-day in person. Always confirm filing timing with your insurer — some states still accept paper certificates, which takes longer.
Can I get FR-44 through these carriers?
Yes — Progressive, Dairyland, The General, Bristol West, and National General all offer FR-44 filing for Florida and Virginia DUI convictions. FR-44 requires significantly higher liability limits than SR-22 and will cost more. Direct Auto is limited to southeastern states and may not cover all FR-44 states.

SR-22 Cost Breakdown

Filing fees and 3-year totals

How to Get SR-22

Step-by-step filing guide

Non-Owner SR-22

No car? Here's what you need

Sources

Last updated: April 4, 2026

Provider information compiled from insurer rate filings, state insurance department data, and NAIC publications. Individual rates vary significantly by state, offense type, and driving record.

Disclosure: This page may contain affiliate links. We may earn a commission if you purchase SR-22 insurance through our partners, at no additional cost to you.