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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Aug 9, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Don't Forget These Facts

  • SR-22 insurance refers to a form that is sometimes required by the state to prove a driver meets state insurance requirements
  • One-day auto insurance is extremely hard to find, but some companies do offer temporary policies that last between one and six months
  • If you were able to find SR-22 and one-day auto insurance, you’d likely pay extremely high rates

Some high-risk drivers may be required to provide an SR-22 form to their state. This requires purchasing an auto insurance policy that will meet the state’s SR-22 length requirements.

However, if you don’t own a vehicle, you may be wondering if one-day auto insurance will work for the few instances where you may need to drive a vehicle.

Finding SR-22 and one-day car insurance is extremely unlikely, and having auto insurance for one day is unlikely to meet the SR-22 requirements. Depending on your state, however, you may be able to purchase a temporary policy. Just be aware of potentially high rates.

While finding SR-22 and one-day auto insurance quotes are unlikely, you can enter your ZIP code into our free quote comparison tool above to see what options are available from companies in your area.

Can I get SR-22 and one-day auto insurance?

Some auto insurance companies specialize in high-risk drivers. This includes 21st Century, Dairyland, Direct Auto, The General, Infinity, National General, and Safe Auto.

Some other major auto insurance companies that will also provide SR-22 forms include Allstate, American Family, GEICO, Progressive, State Farm, and USAA.

If you need an SR-22, the procedures may differ from state to state, but your best option is to contact your insurance company to ask them to help you file it with the state. If your insurance company doesn’t do this, you may need to buy a policy elsewhere.

When you buy SR-22 insurance, the insurance company may require you to pay your premiums upfront.

With that in mind, finding temporary insurance may not be an option for individuals who require SR-22s, since temporary insurance is already a higher risk than a regular policy.

However, some companies that offer temporary insurance include USAA, Nationwide, GEICO, and State Farm.

Overall, finding an SR-22 and one-day auto insurance company would be a significantly difficult task.

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

How much is SR-22 and one-day auto insurance?

Let’s begin by taking a look at the average standard auto insurance rates compared to average SR-22 auto insurance rates:

Average Rates for Standard and SR-22 Auto Insurance by State
StatesAverage Annual Auto Insurance RatesAverage Monthly Auto Insurance RatesAverage Annual SR-22 Auto Insurance RatesAverage Monthly SR-22 Auto Insurance Rates
Alabama$1,304$109$2,470$205.83
Alaska$1,246$104$1,945$162.08
Arizona$1,399$117$3,579$298.25
Arkansas$1,556$130$2,732$227.67
California$1,783$149$5,119$426.58
Colorado$1,675$140$2,992$249.33
Connecticut$1,980$165$3,113$259.42
District of Columbia$1,887$157$2,945$245.42
Delaware$1,838$153$3,525$293.75
Florida$2,250$188$3,780$315.00
Georgia$1,815$151$3,378$281.50
Hawaii$1,255$105$4,464$372.00
Idaho$1,019$85$1,799$149.92
Illinois$1,176$98$2,217$184.75
Indiana$1,057$88$1,561$130.08
Iowa$1,073$89$1,915$159.58
Kansas$1,412$118$2,310$192.50
Kentucky$1,611$134$2,714$226.17
Louisiana$2,228$186$3,612$301.00
Maine$884$74$1,331$110.92
Maryland$1,541$128$2,025$168.75
Massachusetts$1,616$135$3,198$266.50
Michigan$2,368$197$8,324$693.67
Minnesota$1,339$112$2,611$217.58
Mississippi$1,504$125$2,531$210.92
Missouri$1,288$107$2,237$186.42
Montana$1,589$132$2,726$227.17
Nebraska$1,287$107$2,307$192.25
Nevada$1,578$132$2,489$207.42
New Hampshire$1,156$96$2,008$167.33
New Jersey$1,419$118$3,851$320.92
New Mexico$1,498$125$2,735$227.92
New York$1,214$101$1,854$154.50
North Carolina$1,170$98$5,563$463.58
North Dakota$1,123$94$2,003$166.92
Ohio$959$80$1,700$141.67
Oklahoma$1,469$122$2,198$183.17
Oregon$1,325$110$2,296$191.33
Pennsylvania$1,438$120$2,330$194.17
Rhode Island$2,011$168$3,627$302.25
South Carolina$1,353$113$2,379$198.25
South Dakota$1,250$104$2,247$187.25
Tennessee$1,339$112$2,348$195.67
Texas$1,644$137$2,701$225.08
Utah$1,212$101$2,009$167.42
Vermont$1,166$97$1,786$148.83
Virginia$993$83$1,693$141.08
Washington$1,307$109$2,211$184.25
West Virginia$1,467$122$2,767$230.58
Wisconsin$1,147$96$1,794$149.50
Compare RatesStart Now →

SR-22 drivers are often higher-risk than drivers who don’t require an SR-22, which leads to higher auto insurance rates. On top of the higher rates, your state may require a fee of around $25 to file an SR-22 form.

Is temporary car insurance expensive? It could be, especially if you don’t drive that often, which the insurance company could find to be risky.

Since temporary insurance and SR-22s both denote risk, finding affordable SR-22 and one-day auto insurance rates would most likely be impossible.

What is SR-22 insurance?

SR-22 insurance is not technically a kind of insurance. Rather, an SR-22 is a form that some drivers are required to submit with the state to prove that they meet the state’s insurance requirements.

The insurance company can provide an SR-22, which will let the state know that you will have an auto insurance policy for a certain amount of time. The insurance company will also alert the state if you drop below the state’s minimum liability requirements.

Courts and states typically require an SR-22 form from high-risk drivers that are guilty of serious offenses, such as a DUI or DWI, an at-fault accident without insurance, repeated traffic offenses in a short time, non-payment of child support, or a suspended or revoked license.

What is one-day auto insurance?

One-day auto insurance typically refers to an auto insurance policy that is bought daily. Can I buy car insurance for one day? Unfortunately, this is not something that is provided by most insurance companies.

If you don’t typically drive a vehicle, but you have to for a day or two, you may be looking for a way to protect yourself in case of an accident.

Depending on the exact situation, other auto insurance policies could work for you. You could purchase a non-owner auto insurance policy that would cover you while driving other people’s vehicles.

If you’re renting a car, you could take advantage of the coverages offered by the rental company, but you may still want to invest in a separate policy that will offer higher coverage limits.

In some cases, you may be able to find short-term car insurance that lasts from one to six months, but even this option is limited.

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

Should I buy SR-22 and one-day auto insurance?

If your state or court is requiring that you carry SR-22 auto insurance, you should find a company that provides it. If you are caught driving without insurance, you could end up with a fine of up to $5,000 in many states.

However, the consequences could be even greater for someone who may already have traffic violations on their record.

If your license has been suspended or revoked, an SR-22 may be required to reinstate it, even if you don’t have a vehicle. In this case, you may need to purchase a non-owner SR-22 insurance policy.

One-day auto insurance, on the other hand, is typically not something that is recommended for any driver. Having an auto insurance policy that lasts between six and twelve months is the standard.

A standard auto insurance policy is also more likely to provide affordable rates than a temporary insurance policy. It may also be more appropriate for high-risk drivers who are aiming to become low-risk drivers.

If you still want to try finding affordable SR-22 and one-day auto insurance rates, enter your ZIP code into our free quote comparison tool below to see what’s available from the providers in your area.