Does Progressive File an SR-22?
That is their wording, not ours. Their wording is “in most states”, not everywhere. The harder question is whether they will write a policy for your record at all, and at what price.
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What Progressive says, in its own words
Every statement on this page about what Progressive does is quoted from Progressive's own SR-22 page. The central sentence is this: “For new customers in most states, immediately upon the purchase of your policy, Progressive electronically files your SR-22 form with the department of motor vehicles in the requested state.” Nothing here is our characterisation of how they underwrite, because we cannot see that and neither can any other site.
What is settled, and what is not
Strengths
They say it themselves
The filing claim on this page is Progressive's own sentence, published on their own domain, and it is quoted rather than summarised.
The filing is the easy part
Once a carrier agrees to write you, transmitting the certificate is routine. The state's own fee is small and fixed.
Considerations
Saying they file is not saying they will write you
Whether any carrier will write a given record, in a given state, is underwriting. No carrier publishes who it declines, so the only reliable way to find out is to ask with your record in front of you.
Read the limit in their own sentence
Their wording is “in most states”, not everywhere.
How to get a real answer
Three steps, none of which involve trusting a page like this one.
- 01
Ask them directly
If you already hold a Progressive policy, ask whether they will add an SR-22 filing in your state. That is a question only they can answer.
- 02
Ask what changes at renewal
Adding a filing to an existing policy and being written fresh with one are different decisions, and carriers treat them differently.
- 03
Compare at the same time
Carriers that specialize in high-risk filings say so plainly on their own sites, and comparing costs nothing.
What it costs, and who decides
We have no published Progressive figure to give you, and would not invent one. The fee below is the STATE's charge, not the carrier's: it is small, fixed, and in the four states that do not use SR-22 at all there is no filing fee because there is no filing. The premium is the part that moves, and it is set against your record by whoever writes the policy.
Progressive, quoted
What they state
“For new customers in most states, immediately upon the purchase of your policy, Progressive electronically files your SR-22 form with the department of motor vehicles in the requested state.”
And alongside it
“In certain states, Progressive files the SR-22 by mail if required.”
On non-owner policies
“If you're required to file an SR-22 but don't own a vehicle, you can purchase a non-owner car insurance policy.”
On the filing fee
“Progressive includes the SR-22 filing fee in your cost for each policy term.”
What it still does not settle
Whether any carrier will write a given record, in a given state, is underwriting. No carrier publishes who it declines, so the only reliable way to find out is to ask with your record in front of you.
Does Progressive offer SR-22 insurance?
- Does Progressive file SR-22s?
- On their own site, yes: “For new customers in most states, immediately upon the purchase of your policy, Progressive electronically files your SR-22 form with the department of motor vehicles in the requested state.” Their wording is “in most states”, not everywhere.
- Does that mean they will insure me?
- Whether any carrier will write a given record, in a given state, is underwriting. No carrier publishes who it declines, so the only reliable way to find out is to ask with your record in front of you.
- What does the filing itself cost?
- The state's filing fee is typically $15 to $25 in most states. That is the state's charge, not the carrier's, and it is separate from your premium.
- How do I find out what I would actually pay?
- By getting quoted against your actual record. A licensed agent can compare several carriers that file in your state in one call.
- How much is the filing fee itself?
- $15 to $25 in most states. That is the state's charge for processing the certificate, not Progressive's price for the policy, and the four states that do not use SR-22 charge nothing because there is nothing to file. What you pay Progressive is a premium, set against your record.
- Does Progressive offer a non-owner SR-22?
- “If you're required to file an SR-22 but don't own a vehicle, you can purchase a non-owner car insurance policy.”.
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SR-22 rules in all 50 states
What the certificate has to show, how long you carry it, and what the state charges are set where you live. The carrier files it; the state decides what it says.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
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The question a page cannot answer
Whether Progressive or anyone else will write your record, and what they would charge, comes down to your state and your history. A licensed agent can compare carriers that file SR-22s in your state and tell you what one would cost. It takes about three minutes and the referral is free.
SR-22 Insurance Now is an independent referral service. We are not an insurance agency, we are not affiliated with Progressive, and Progressive has not reviewed this page. Quotations are from progressive.com, read on 2026-08-24.