Compare SR-22 Insurance Providers carrier by carrier
An SR-22 is filed by a licensed insurance carrier, not by a referral service. These pages explain how each major carrier handles the filing, and one call puts a specialist on the line who can check several of them for your record at once.
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Every carrier we have reviewed
Each page covers how that carrier handles an SR-22 filing, what the state fee is, and how much a filing typically moves the premium. They are research, not applications.
The following links lead to informational pages created for educational purposes only, based on publicly available information. SR22Now is an independent insurance referral service. We are NOT affiliated with, endorsed by, or representing any specific insurance carrier. Clicking these links or reading these pages does not guarantee a quote from that specific provider. Availability depends on your state, driving record, and underwriting factors.
- 21st Century SR-22
- AAA SR-22
- AARP / The Hartford SR-22
- Acceptance SR-22
- Allstate SR-22
- American Family SR-22
- Bristol West SR-22
- Dairyland SR-22
- Direct Auto SR-22
- Erie SR-22
- Esurance SR-22
- Farmers SR-22
- Freeway SR-22
- GAINSCO SR-22
- GEICO SR-22
- Good2Go SR-22
- Infinity SR-22
- Kemper SR-22
- Liberty Mutual SR-22
- Mercury SR-22
- Nationwide SR-22
- Progressive SR-22
- Root SR-22
- Safeco SR-22
- State Farm SR-22
- The General SR-22
- Titan SR-22
- Travelers SR-22
- USAA SR-22
What the insurance company is responsible for
When you get an SR-22, it is not issued by a referral service, but by a licensed insurance company. Their responsibilities include:
- 01
Issuing Your Policy
Providing the underlying auto insurance coverage that meets your specific state's minimum liability requirements.
- 02
Filing the SR-22 Certificate
Electronically submitting the official SR-22 form directly to the state DMV or DPS database.
- 03
Notifying the DMV of Changes
The carrier is legally obligated to inform the state if your policy cancels or lapses via an SR-26 form.
What makes a reliable SR-22 provider
Choosing the right provider is crucial. Here is what defines a reliable partner, and what we look for in our network:
- Proper State Licensing
- Fast Electronic E-Filing
- High-Risk Record Experience
- Responsive Claims Service
What one call actually does
Navigating the SR-22 provider landscape alone is difficult. Our free referral service simplifies this process:
Saves You Time
One call connects you to agents who check multiple carriers for you.
Vetted Network
Connect with agents representing experienced national and regional providers.
Efficient Matching
We match you based on your specific needs, state, and violation type.
Quick Comparison
Get connected directly to available agents ready to offer free quotes.
What people ask about carriers
The answers below are the ones the 29 pages above cannot give you individually, and the counts in them are read from those same pages.
- Will my own insurer file an SR-22 for me?
- Ask them, and do it before you shop anything else: an insurer that already has your business and will file is usually the shortest route back. What we can tell you is how hard the answer is to find. Of the 29 carriers on this page, 8 state plainly on their own site that they file, and we quote them. 8 publish no SR-22 page at all, 5 publish as an agency rather than as the underwriting carrier, and 2 run sites we could not read. Where a carrier says nothing, this site says so rather than filling the gap.
- Why would a large insurer refuse to write me at all?
- Because of where you now sit in their book, not because of who you are. Insurers price from tiers, and a company built on drivers with clean records prices its whole pool on that basis. A filing requirement moves you out of the group their rates were built for, so some decline the risk and some quote a number that amounts to declining it. It is an actuarial decision and it is not personal, which matters mainly because it tells you where to look next: at the carriers whose business is this risk.
- My insurer sent a non-renewal notice. What do I do first?
- Read the date and work backwards from it. The new policy has to be in force before the old one ends, because the gap between them is what your state sees: the outgoing carrier is legally required to file an SR-26 the moment cover ends, and in many states a lapse restarts the filing period from day one. Bind first, cancel second. A non-renewal handled in the right order costs you nothing but the shopping.
- What is the difference between an agency and a carrier here?
- It decides who actually files your certificate. A carrier underwrites the policy and files the SR-22 with your state. An agency places your business with a carrier and does not file anything itself, so the answer to "do they do SR-22s" depends on which carrier they put you with. 5 of the 29 names on this page publish as an agency rather than as the underwriting carrier, and their pages say so.
- Do you rank these carriers, or recommend one?
- No. A ranking implies a methodology and we do not publish one, so there is no best carrier on this site and no order to these pages beyond the alphabet. Each page reports what that carrier states on its own domain, quoted and linked, and says plainly where the carrier states nothing. That is a smaller claim than a ranking and it is one you can check.
- Is it better to buy direct or through an agent?
- It depends on how complicated your record is, and you should know before you weigh it that we are paid by the agency network that takes your call, never by you. Buying direct is faster when the case is simple and the carrier writes your situation online. An agent is worth the call when the record is complex or when the carriers that write it do not sell direct at all, which is true of several on this page. The honest test is not which route is better in general, it is whether anyone has actually quoted your record.
- Does the carrier charge a fee to file the certificate?
- Almost none of them publish it. The filing fee itself is small, $15 to $25 in most states, and where a carrier does state its own position we quote it on that carrier's page rather than generalising from it. What is worth asking on the call is whether the fee is charged once or at every renewal, because that is the part that adds up over a mandate and no quote itemises it.
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