Does State Farm Have SR-22 Insurance?

State Farm has affordable SR-22 insurance policies for many drivers with traffic violations.
Written by R.E. Fulton
Reviewed by Kathleen Flear
High-risk drivers with an
filing requirement can find affordable coverage through State Farm, with an average premium just 11% higher than drivers with clean driving records. 
If your state’s DMV requires you to file an SR-22 form following a violation, you can expect your auto insurance rates to go up. Comparing
car insurance
companies before you buy can help you lower the cost of SR-22 insurance. Let’s take a look at State Farm’s offerings for drivers with SR-22 requirements. 
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Does State Farm offer SR-22 auto insurance?

Yes. State Farm offers insurance coverage to high-risk drivers and will file your SR-22 form with your state’s Department of Motor Vehicles. The filing fee varies from state to state, but you can expect State Farm to charge between $15 and $25 to file your form and activate your SR-22 auto insurance policy. 
Your SR-22 policy from State Farm will include at least
your state’s minimum liability insurance requirements
, in addition to any other minimum coverage options required by the DMV. If you own an expensive vehicle and want to supplement your
liability coverage
comprehensive insurance
, State Farm also offers full coverage policies to policyholders with SR-22 certificates. 
In most cases, you’ll need to maintain your SR-22 filing for three years or risk losing your driving privileges. Once that time period is up, you’ll have the option to
cancel your State Farm coverage
or maintain a policy at a lower rate. 

What is an SR-22 for car insurance?

SR-22 insurance isn’t actually a specific type of car insurance coverage—it’s a certificate of financial responsibility that your insurance provider files with the DMV to confirm that you’ve met the minimum insurance requirements in your state. 
An SR-22 is typically required after serious moving violations, such as a reckless driving charge or a
DUI/DWI conviction
. You may also be required to file an SR-22 if you were caught
driving without a driver’s license
or while uninsured, or if you have a record of repeated at-fault accidents. 

Does State Farm offer non-owner SR-22 insurance?

Yes! State Farm offers non-owner car insurance policies to drivers who need an SR-22 after a license suspension but don’t own a car. Because purchasing SR-22 coverage may be the only way to regain your driving privileges,
non-owner car insurance
is an important option that could save you money if you don’t own a vehicle. 

Does State Farm have FR-44 insurance?

While most states require an SR-22 certificate for high-risk drivers,
use something called
an FR-44
to deal with the most serious driving violations. 
If you need to file an FR-44, you’ll have additional coverage requirements. In Florida, for instance, most drivers don’t need to purchase
bodily injury liability insurance
property damage liability
is required by state law. But for FR-44 insurance policies, drivers must carry at least $100,000 per person and $300,000 per accident of bodily injury liability coverage. 

How much does an SR-22 from State Farm cost?

The exact cost of an SR-22 insurance policy from State Farm depends on the reason for the SR-22, the coverage options you select, and where you live—in addition to the usual factors, like age and gender, that impact your insurance premiums. 
On average, drivers with SR-22s pay only 11% more for State Farm coverage than drivers with
clean records
. But major traffic violations—especially a DUI—can raise your car insurance rates significantly (think a 200% increase or more). You’ll also pay more if you buy more than the minimum required insurance or if you live in a state like
with steep minimum coverage requirements.

Which insurance company has the cheapest SR-22 coverage?

State Farm is an affordable option for many drivers with traffic offenses, but the high cost of SR-22 insurance makes comparing multiple insurance quotes essential. Depending on your profile, other auto insurance companies such as
, or
may offer competitive rates. 
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