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
SR-22
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. Compare insurance quotes from 50+ insurance companies with Jerry in under 45 seconds
Compare insurance quotes from 50+ insurance companies with Jerry in under 45 seconds
4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversDoes 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
with collision
and 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?
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
—only 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 Michigan
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
GEICO
, Progressive
, or Nationwide
may offer competitive rates. “I usually don’t leave reviews, but this app was amazing! I’m young and wanted a nice car, so I thought insurance companies would charge me extra. ButJerrychopped my usual payments in half! Thanks, Jerry.” —Gabby E.
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