Does Allstate Have SR-22 Insurance?

Compared to other insurance providers, Allstate has higher-than-average SR-22 insurance rates.
Written by Andrew Biro
Reviewed by Kathleen Flear
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The cost to file an SR-22 with Allstate typically ranges between $15 and $25, depending on where you live—your
car insurance
rate will also increase, typically between 30% to 40%, which is higher than average when compared to other insurance providers.
If you are ever convicted of a serious traffic violation or are at fault in a preventable accident, you may be required by law to file an SR-22 through your insurance company—this acts as proof that you have purchased the minimum amount of auto insurance required by your state.
Most insurance providers offer SR-22s—and that includes Allstate, one of the most popular insurance companies out there.
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Does Allstate offer SR-22 insurance?

Yes, Allstate offers SR-22 insurance and will file your SR-22 with your state’s Department of Motor Vehicles (DMV). You can generally expect to pay somewhere between $15 and $25 for the filing itself, which will then activate your updated auto insurance policy.
An SR-22 policy from Allstate will always include your state’s
minimum liability insurance requirements
, as well as any other minimum coverage requirements laid out by the DMV. If you’d like to purchase additional coverage—such as
comprehensive
or
collision coverage
—for your vehicle, you won’t be barred from purchasing a full coverage policy from Allstate, even with an SR-22.
Typically, an SR-22 needs to be maintained for a period of at least three years—failure to do so can result in a loss of driving privileges and even a full license suspension.

What is an SR-22 for car insurance?

Despite being used in conjunction with insurance, an SR-22 isn’t actually insurance itself—rather, an SR-22 is a policy add-on showing that the policyholder meets the minimum car insurance requirements for their state.
An SR-22 serves as proof of financial responsibility and is generally applied to
high-risk drivers
who have been caught driving without insurance or who have been convicted of a major moving violation, such as reckless driving.

Does Allstate offer non-owner SR-22 insurance?

Yes—Allstate offers non-owner SR-22 insurance. In the event that you yourself do not own the vehicle you regularly drive, but are required by law to obtain an SR-22, you will need to purchase a
non-owner car insurance policy
.

Does Allstate have FR-44 insurance?

Allstate also offers
FR-44 insurance
. Like an SR-22, an FR-44 isn’t actually insurance but a filing that shows the policyholder meets their state’s minimum insurance requirements—if you have been convicted of a
DUI or DWI
, you may have to file an FR-44 to reinstate your license.
At least, you will if you live in
Virginia
or
Florida
, the only states that—as of 2023—still use FR-44s to differentiate between “serious” and “mild” traffic violations. If you have been convicted of a moving violation in Florida or Virginia other than a DUI/DWI,  you will still need to file an SR-22.
MORE: 5 driving violations that could land you in jail

How much does an SR-22 from Allstate cost?

It varies—depending on the state you live in, the cost of filing an SR-22 with Allstate typically ranges from $15 to $25, but that’s just for the form itself.
Your actual auto insurance costs are another story. Due to the increase in perceived risk of insuring a driver with a moving violation on their record, your car insurance company will increase your rate if you are ever required to file an SR-22. 
Unfortunately, Allstate is considered to have a higher-than-average rate increase than most other insurance providers. Case in point: drivers with something as minor on their record as a speeding ticket can expect somewhere between a 30% to 40% rate increase, whereas drivers with something more major—such as reckless driving—may see upwards of a 50% rate increase.
In the event that you were convicted of a DUI or DWI, you can expect somewhere between a 100% and 200% increase, regardless of your insurance provider.

Which insurance company has the cheapest SR-22 coverage?

Every insurance company uses a different set of factors to calculate their rates, so you may find a policy with another provider (Nationwide, Progressive, State Farm, etc.) that offers the exact same coverage for less.
For this reason, it is always a good idea to shop around and compare at least three to five car insurance quotes before settling on a policy—it’s also worth checking whether you are eligible or if you qualify for certain discounts.
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