Progressive

Progressive SR-22 Filing: Cost, Non-Owner, and FR-44

By YesWeSure EditorialReviewed November 1, 2026Editorial standardsSources

Short answer

Progressive files SR-22 certificates with state DMVs, includes the filing fee in each policy term’s cost, publishes a non-owner SR-22 for drivers who do not own a vehicle, and files FR-44 forms in the two states that require them (Florida and Virginia). Progressive publishes a typical filing fee of around $25 that varies by state and insurer¹²³.

What determines whether Progressive is the right place to file

Whether you own a car. Owner policy, non-owner policy, or both—the SR-22 attaches to a policy, not to you².
Your state and offense. SR-22 vs FR-44 depends on the state and the conviction; FR-44 is only Florida and Virginia³.
Your state liability minimum. The SR-22 proves you carry at least state-required liability; higher limits may still be worth buying¹.
Lapse risk. If the policy lapses, Progressive notifies the state, which can suspend your license¹.
Duration. SR-22 is commonly required for about 3 years, set by state and conviction⁴.

Four Progressive SR-22 situations

Situation	What the rule is	What to watch
Owner SR-22 (you own a vehicle)	Progressive publishes that the SR-22 is a certificate your insurer files with the state DMV to prove you carry at least the state-required liability coverage. Progressive includes the filing fee in your cost for each policy term.	The SR-22 is a filing, not insurance. You still need a Progressive policy with liability limits that meet or exceed your state minimum.¹
Non-owner SR-22 (you do not own a vehicle)	Progressive publishes a non-owner car insurance policy that provides liability coverage meeting your state requirements and that can file an SR-22 on your behalf. Useful if the court or DMV requires an SR-22 but you drive borrowed or rented vehicles.	A non-owner policy excludes vehicles you own or that are regularly available to you (such as a household member's car). Those still need their own owner policy.²
FR-44 (Florida and Virginia only)	Progressive publishes that only Florida and Virginia require drivers to file an FR-44, usually after serious offenses like DWI/DUI with high BAC or multiple offenses. FR-44 requires much higher liability limits than SR-22.	FR-44 is not an alternative to SR-22; the two forms serve different states and different trigger offenses. Confirm which form your state requires.³
Filing fee and ongoing cost	Progressive publishes that the SR-22 filing fee is generally $25 but varies by state and insurer. Progressive includes the filing fee in each policy term's premium while the SR-22 is required.	The filing fee is small compared to the premium increase from the underlying offense (DUI, reckless, driving uninsured). The SR-22 is often required for 3 years.¹

Non-owner SR-22 at Progressive

Progressive publishes a non-owner car insurance policy for drivers who need SR-22 compliance but don’t own a vehicle. The policy provides liability coverage that meets your state’s minimums and that Progressive can file the SR-22 against².

Three practical points matter for a non-owner shopper:

A non-owner policy excludes vehicles you own and those that are regularly available to you (such as a household member’s car). Those still require an owner policy.
Non-owner premiums are typically lower than owner premiums because there is less exposure, but the SR-22 filing fee is the same.
If you later buy a vehicle, you must switch to an owner policy. The non-owner policy will not cover the new car.

FR-44: Florida and Virginia

Progressive publishes that only Florida and Virginia require drivers to file an FR-44, usually after serious offenses like DUI/DWI with high BAC or multiple offenses³. FR-44 requires significantly higher liability limits than SR-22; the specific limits are set by state statute.

If you live in Florida or Virginia and the court order or DMV letter says FR-44, you need the FR-44 form specifically. An SR-22 does not substitute. If you move out of state during the FR-44 period, confirm with the new state DMV which form (SR-22 or FR-44) they recognize and whether your filing requirement follows you.

Filing fee and the real cost

Progressive publishes that the SR-22 filing fee is generally $25 but varies by state and insurer, and that the fee is included in each policy term’s cost rather than billed separately¹.

The filing fee is almost always a small line next to the real cost: the premium increase that comes from the underlying offense. A DUI, reckless-driving conviction, or driving-without-insurance citation moves your rate tier significantly, and the premium reflects that for the full SR-22 period. The after-a-DUI situation guide walks through how carriers price the underlying offense.

How long you keep SR-22 on file

The SR-22 duration is set by your state DMV and your conviction, not by Progressive. 3 years is a common duration but ranges from 1 to 5 years depending on the state and offense. If the policy lapses during that period, Progressive is required to notify the state DMV, which can suspend your license. Progressive publishes DUI-and-insurance guidance on the related record-retention timeline⁴.

What to do if Progressive is your SR-22 carrier

Confirm the exact form required
Check the court order or DMV letter: SR-22 vs FR-44 depends on your state and the specific conviction. FR-44 is Florida and Virginia only.
Pick owner or non-owner policy
If you own a vehicle, you need an owner policy. If you only drive borrowed or rented vehicles, Progressive’s non-owner SR-22 is a match.
Confirm your state liability minimums
The SR-22 proves you carry at least state minimums. Higher limits buy real coverage; see our state requirements checker.
Avoid a mid-term lapse
If the policy lapses while the SR-22 is required, Progressive notifies the state. License suspension and reinstatement fees follow.
Know the end date
Your state DMV, not Progressive, sets the SR-22 end date. Confirm it before dropping the filing or switching to a non-SR-22 carrier.

Shopping SR-22 across carriers? Pull quotes side by side.

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Common follow-up questions

How does Progressive file an SR-22?

Progressive files the SR-22 certificate electronically with your state DMV once your policy is active with the required liability limits. Progressive includes the filing fee in each policy term's premium while the SR-22 requirement is in effect.

How much does Progressive charge to file an SR-22?

Progressive publishes that the SR-22 filing fee is generally $25 but varies by state and insurer. The fee is included in your policy term cost rather than billed separately.

Can I get a non-owner SR-22 from Progressive?

Yes. Progressive publishes a non-owner car insurance policy that provides liability coverage meeting state requirements and that files the SR-22 on your behalf. The non-owner policy is for drivers who do not own a vehicle.

Does Progressive file FR-44 forms?

Progressive publishes that only Florida and Virginia use FR-44 forms. Progressive files FR-44 in those two states for drivers whose offense requires it (typically DUI with high BAC or multiple offenses). FR-44 requires higher liability limits than SR-22.

How long does Progressive need to keep the SR-22 on file?

The duration is set by your state DMV and your conviction, not by Progressive. SR-22 is commonly required for about 3 years, but confirm the specific duration with your state DMV or the court order. If the policy lapses during that period, Progressive is required to notify the state, which can suspend your license.

Sources

State SR-22 and FR-44 rules may change. Confirm the current form, duration, and liability minimums with your state DMV before relying on any specific number. Last reviewed November 1, 2026.