Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Jun 3, 2021

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Don't Forget These Facts

  • Some smaller auto insurance companies specialize in non-standard auto insurance
  • You’ll need non-owner SR-22 insurance to be covered for any car you don’t own
  • The national average cost for SR-22 insurance is $2,761/yr

SR-22 insurance costs are usually more expensive than standard policies As you shop for auto insurance under an SR-22 status, you’ll need to find a company that provides non-standard auto insurance.

Most of the top car insurance companies offer SR-22 forms, but some smaller companies may be better. Our short guide explains everything you need to know about smaller auto insurance companies that offer SR-22 insurance policies.

Read on to learn which smaller auto insurance companies provide SR-22s for high-risk drivers and to compare quotes before you buy SR-22 insurance. Enter your ZIP code in the free comparison tool above and start comparing quotes from multiple companies now.

Do smaller auto insurance companies provide SR-22s?

Yes, they do. Some car insurance companies have policies designed just for SR-22 status, especially smaller life insurance companies.

What is SR-22 insurance? SR-22 insurance is a certificate that proves that you carry the minimum auto insurance requirements in your state after you’ve been declared a high-risk driver.

Florida and Virginia have two high-risk levels, which are FR-44 and SR-22. While SR-22 is similar to other states, FR-44 is designed for high-risk drivers to carry twice as much on auto insurance requirements.

Meanwhile, the state of Indiana only carries SR-50 – an equivalent of SR-22 in the state.

Which smaller auto insurance companies carry SR-22 insurance?

You may see SR-22 insurance listed as non-standard auto insurance. This means your auto insurance will be more expensive than average.

Here’s a list of smaller companies that carry SR-22 insurance.

  • Bristol West
  • Dairyland
  • Direct Auto Insurance
  • Foremost
  • Founders Insurance
  • GAINSCO
  • Hallmark
  • Infinity
  • Kemper Auto Insurance
  • National General
  • Safe Auto
  • The General
  • Titan

Some of these companies may be well-known in certain areas in the United States, but they lack the market share to be in the top ten spots of the auto insurance industry.

However, smaller companies can be just as reliable. But which companies are the cheapest? Use our free online quote tool to compare multiple companies to find out which offers the most affordable SR-22 insurance in your city.

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How much does SR-22 insurance cost a month?

The average for SR-22 car insurance is $2,761 per year, which is $1,3,14 more than the national average.

SR-22 insurance varies for each state. Let’s compare the average annual rate of each state and compare it to annual rates with SR-22 insurance.

How Much an SR22 Affects Your Annual Auto Insurance Rates
StateAverage Annual Auto Insurance RatesAverage Annual SR22 RatesPercent IncreaseDollar Increase
Alaska$1,246$1,94556%$699
Alabama$1,304$2,47089%$1,166
Arkansas$1,556$2,73276%$1,176
Arizona$1,399$3,579156%$2,180
California$1,783$5,119187%$3,336
Colorado$1,675$2,99279%$1,317
Connecticut$1,980$3,11357%$1,133
DC$1,887$2,94556%$1,058
Delaware$1,838$3,52592%$1,687
Florida$2,250$3,78068%$1,530
Georgia$1,815$3,37886%$1,563
Hawaii$1,255$4,464256%$3,209
Iowa$1,073$1,91578%$842
Idaho$1,019$1,79977%$780
Illinois$1,176$2,21789%$1,041
Indiana$1,057$1,56148%$504
Kansas$1,412$2,31064%$898
Kentucky$1,611$2,71468%$1,103
Louisiana$2,228$3,61262%$1,384
Massachusetts$1,616$3,19898%$1,582
Maryland$1,541$2,02531%$484
Maine$884$1,33151%$447
Michigan$2,368$8,324252%$5,956
Minnesota$1,339$2,61195%$1,272
Missouri$1,288$2,23774%$949
Mississippi$1,504$2,53168%$1,027
Montana$1,589$2,72672%$1,137
North Carolina$1,170$5,563375%$4,393
North Dakota$1,123$2,00378%$880
Nebraska$1,287$2,30779%$1,020
New Hampshire$1,156$2,00874%$852
New Jersey$1,419$3,851171%$2,432
New Mexico$1,498$2,73583%$1,237
Nevada$1,578$2,48958%$911
New York$1,214$1,85453%$640
Ohio$959$1,70077%$741
Oklahoma$1,469$2,19850%$729
Oregon$1,325$2,29673%$971
Pennsylvania$1,438$2,33062%$892
Rhode Island$2,011$3,62780%$1,616
South Carolina$1,353$2,37976%$1,026
South Dakota$1,250$2,24780%$997
Tennessee$1,339$2,34875%$1,009
Texas$1,644$2,70164%$1,057
Utah$1,212$2,00966%$797
Virginia$993$1,69370%$700
Vermont$1,166$1,78653%$620
Washington$1,307$2,21169%$904
Wisconsin$1,147$1,79456%$647
West Virginia$1,467$2,76789%$1,300
Wyoming$1,577$2,74774%$1,170
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Michigan, California, North Carolina, and Hawaii are the most expensive states for SR-22 insurance.

However, your auto insurance rates will vary. Car insurance rates are determined by age, driving record, credit history, vehicle, coverage level, location, company, and annual commute. Therefore, your auto insurance quotes will be different when you’re shopping with a smaller company.

How do you get an SR-22 insurance certificate?

You can get an SR-22 certificate through your auto insurance company. Once you’re declared a high-risk driver in your local area, you can contact your auto insurance company and let them know you need SR-22 insurance.

The car insurance company will set up documents that you’ll need to present to your local DMV to prove that you have SR-22 attached to your auto insurance.

Each state is different. For example, the requirements for SR-22 insurance in South Carolina vary from Nevada’s requirements.

Does SR-22 cover any car I drive?

The short answer is no. SR-22 insurance covers the motor vehicle that you own. If you’re driving a car someone else owns, you’ll need non-owner SR-22 insurance.

How long does SR-22 insurance last?

SR-22 certificates last for three years, which is the same amount of time auto insurance companies look back at your driving record. However, DUIs can stay on your driving record for at least ten years.

Smaller Auto Insurance Companies Provide SR-22s: What’s the bottom line?

More companies have started to offer non-standard auto insurance, and the competition is heating up, which is bad for smaller companies but good for customers.

Getting SR-22 insurance from a smaller company doesn’t automatically guarantee cheap SR-22 insurance, but you could receive faster service and better rates.

Now that you know how smaller auto insurance companies provide SR-22s, you’re ready to compare the top companies in your local area. Enter your ZIP code in the free online quote tool.