Best SR-22 Car Insurance
This page ranks the carriers that write SR-22 (and FR-44 where applicable) at a competitive rate. For the step-by-step mechanics of an SR-22 filing (what it is, how it is submitted, duration, lapse consequences) see our coverage explainer at coverage/sr-22. For what to do between the DUI conviction and the SR-22 request see after-dui. For the 3-year cost math see cost/after-dui.
Our shortlist
| Carrier | Featured for | Why it fits | Caveat |
|---|---|---|---|
| Dairyland | IA-channel SR-22 or FR-44 shopper | Sentry-owned non-standard specialist since 1953. SR-22 filing included at no additional fee. Same-day FR-44 electronic filing in Florida and Virginia. A+ Superior via Sentry Group. | Independent-agent distribution only. |
| The General | DTC bind-today SR-22 shopper | 2-minute quote-and-bind, SR-22 delivered in minutes, 47-state footprint. A+ Superior AM Best after the February 2025 upgrade post-Sentry. | Direct-to-consumer only; narrower discount menu than mainstream carriers. |
| Progressive | One-event SR-22 shopper with clean-otherwise record | Standard-market SR-22 posture: writes the business at non-standard rates but with the broader coverage menu of a mainstream carrier. A+ Superior. | Multiple incidents on the record will drive Progressive to decline or quote high; pure specialists may beat it in that case. |
| Bristol West | Non-owner SR-22 shopper | Farmers Group non-standard specialist. 41 to 43 state footprint. Non-owner SR-22 is a named product. ICR outlook revised Positive September 2026. | A (Excellent) FSR; one tier below Sentry-owned peers. |
| Kemper | SR-22 shopper in California, Florida, or Texas | Pure specialty writer since the August 2023 preferred-business exit. CA+FL+TX ~90 percent of specialty P&C premium. Infinity Spanish-language distribution channel. | September 2026 AM Best and Moody's Negative outlook on California regulatory pressure. |
| National General | SR-22 shopper wanting Allstate-corporate backing | Allstate-owned mixed-tier writer. Integon underwriting platform. SR-22 and FR-44 availability. | NAIC complaint-index above industry average in some states. |
How to decide between them
- DTC bind urgency: The General or Progressive. SR-22 delivered to the DMV within hours.
- IA channel preferred: Dairyland or Bristol West.
- Non-owner SR-22: Bristol West (named product), Dairyland, GEICO (in some states).
- Non-owner FR-44 in Florida or Virginia: Dairyland offers same-day filing.
- CA/FL/TX concentration: Kemper via Infinity for Spanish-language distribution.
Related reading
- SR-22 coverage explained
- FR-44 coverage (FL + VA)
- Non-owner coverage
- After a DUI
- Cost after a DUI
- Best for high-risk drivers (broader list)
Sources
- Carrier filings for Dairyland, The General, Progressive, Bristol West, Kemper, National General.
- AM Best current ratings as of 2026-10-03.
- State DMV FR-44 and SR-22 statutes (FL Stat. 324.023; VA Code 46.2-472).