Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati....

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 27, 2022

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The Full Review

  • SR-22 is a form filed by Progressive, not actual insurance coverage
  • An SR-22 verifies to your state that you have the minimum amount of auto insurance required
  • High-risk auto insurance rates are much higher, and coverage can be hard to find

High-risk drivers need SR-22 insurance coverage, but it’s hard to find. Fortunately, Progressive’s SR-22 insurance is available for drivers who need specialized coverage.

What is SR-22 insurance? SR-22 insurance shows your state that you have enough auto insurance to meet the minimum requirements.

There are several reasons the state may require you to file an SR-22 form with your insurer, including DUI conviction, lack of insurance, or having a high number of traffic tickets in a short period.

Add discounts and take a defensive driving course to save money on Progressive insurance. A discount from Progressive’s Snapshot program offers another way to lower rates.

Learn more about Progressive’s SR-22 insurance and ways to save on auto insurance here.

What is Progressive’s SR-22 insurance?

Most auto insurance companies won’t offer coverage if the state requires you to obtain an SR-22. However, Progressive is one of the top insurance companies providing coverage with an SR-22.

What is an SR-22 form?

SR-22 insurance is a misleading term since it isn’t a type of car insurance. Instead, it’s a form your auto insurance company files on your behalf saying you have at least the minimum amount of required insurance.

While filing an SR-22 form only costs about $25, your insurance rates increase drastically.

Typically, an SR-22 means high-risk auto insurance. However, not all insurance companies offer high-risk coverage. For example, Progressive offers high-risk coverage and some of the cheapest full coverage auto insurance rates for risky drivers.

Your driving record is one of the most significant factors determining auto insurance rates. Drivers with accidents, tickets, and DUIs see the highest rates.

This table shows average auto insurance rates from top companies — including Progressive — based on driving history.

Average Annual Auto Insurance Rates Based on Driving Record
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUIAverage Annual Rates with 1 Speeding Violation
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
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Rates with Progressive increase around $50 a month with one DUI. Drivers with multiple traffic infractions typically need high-risk insurance and an SR-22.

When it comes to everything you need to know about SR-22 insurance, a lot varies by state. For example, your state determines if you need a valid SR-22 form for three or five years.

Your state also tells you when SR-22 is no longer necessary, but you have to tell Progressive. Once the SR-22 requirement gets removed, your rates should decrease.

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Who needs SR-22 coverage?

Not every infraction results in SR-22 insurance. You’ll find out in court if you must file an SR-22 form.

You may need Progressive’s SR-22 insurance if you:

  • Have a DUI or DWI conviction
  • Have too many traffic tickets in a short amount of time
  • Don’t pay court-ordered child support
  • Have too many at-fault accidents
  • Drive without insurance

You may also need Progressive’s SR-22 if you qualify for a hardship license. This type of license allows you to drive still if your driver’s license was suspended or revoked.

However, a hardship license limits where and when you can drive. For example, you likely can go to work and the grocery store but not take a road trip.

In some instances, you may be unable to find auto insurance. Most car insurance companies refuse coverage with multiple DUIs.

According to the Insurance Information Institute, you can get coverage through your state if unavailable elsewhere. However, expect to pay higher rates than if you were to find coverage on your own.

What are the different types of SR-22 forms?

There are three different types of SR-22 forms. The type of form you need depends on whether or not you own a car.

The first form is the owner certificate. Progressive file this form if you own the vehicle that you drive.

The second form is the owner-operator certificate. This form covers any car you drive, whether you own it or not. For example, a company car falls into this category.

The final form is a non-owner certificate. This form goes along with non-owner car insurance, which covers you if you don’t own a car. So, for example, if you don’t own a vehicle but borrow your friend’s car often, you need a non-owner certificate and coverage.

Progressive’s SR-22 non-owner insurance offers liability-only coverage and is cheaper than other forms of high-risk insurance.

Progressive determines which form you need and files it for you.

How can you save money on Progressive auto insurance?

Take advantage of auto insurance discounts to save the most on Progressive coverage. Progressive offers various discounts based on you, your policy, and your vehicle.

Though you won’t qualify for a good driver discount with an SR-22, you may be eligible for other savings, such as multi-car, multi-policy, or occupation discounts.

This table shows Progressive auto insurance discounts. The savings amount is listed if available.

Progressive Auto Insurance Discounts
Auto Insurance DiscountsProgressive (%)
Adaptive Cruise Controlx
Adaptive Headlightsx
Anti-lock Brakesx
Claim Freex
Continuous Coveragex
Daytime Running Lightsx
Defensive Driver10
Distant Studentx
Driver's Ed10
Driving Device/App20
Early Signingx
Electronic Stability Controlx
Family Legacyx
Forward Collision Warningx
Full Paymentx
Good Creditx
Good Studentx
Lane Departure Warningx
Low Mileagex
Multiple Policies12
Multiple Vehicles10
Newer Vehiclex
Online Shopper7
Paperless Documents$50
Paperless/Auto Billingx
Passive Restraintx
Safe Driver31
Stable Residencex
Switching Providerx
Vehicle Recoveryx
VIN Etchingx
Young Driverx
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In addition, consider Snapshot by Progressive to lower rates. Snapshot uses telematics to monitor driving behaviors. As a result, safe driving earns higher discounts, reducing auto insurance rates.

Clean up your driving record to reduce insurance rates. Drive safely and obey traffic laws to avoid additional dings on your driving record.

A defensive driving course also lowers car insurance rates. While you learn valuable safe driving skills, many states remove points from your license for taking a class.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Progressive’s SR-22 Insurance: The Bottom Line

While not many top insurance companies offer SR-22 coverage, drivers will find Progressive’s SR-22 insurance cheaper than most. Your state determines when you need SR-22 insurance and how long you have to keep it.

The state requires SR-22 insurance for drivers with DUIs, multiple at-fault accidents, or no insurance. The type of SR-22 you need depends on whether or not you own a car, and Progressive files the correct one for you.

However, you need to notify Progressive once the court removes your SR-22 form. Your car insurance rates should decrease after its removal.

Though Progressive insurance rates go up for high-risk drivers, your rates will decrease if you clean up your driving record or qualify for discounts.