Compare SR-22 Rates in California
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SR-22 Insurer Comparison
Compare features and services of major insurance companies
| Insurer | SR-22 fee | Same day | Online | Non-owner | Spanish | Rating | |
|---|---|---|---|---|---|---|---|
Progressive | $25 | 4.2 | |||||
State Farm | $50 | 4.5 | |||||
Geico | $15 | 4.3 | |||||
Allstate | $35 | 4.4 | |||||
Farmers | $30 | 4.1 | |||||
Freeway Insurance | $20 | 3.9 |
Factors Affecting Your Rate
Increase rates
Ways to save
- Pay annually (save 10%)
- Non-owner SR-22 if no car
- Compare multiple insurers
- Maintain good driving record
- Choose higher deductibles
Why QuoteMoto is #1
SR-22 Specialists
10+ years helping high-risk drivers
Best prices available
30-40% cheaper than competitors
Instant filing
SR-22 to DMV same day
Bilingual service 24/7
Support in Spanish and English
How to Compare SR-22 Rates
To compare SR-22 rates effectively: 1) Get quotes from 3-5 insurers, 2) Compare identical coverage levels (15/30/5 minimum), 3) Check filing fees ($0-50), 4) Ask about non-owner SR-22 if no car (60% cheaper), 5) Consider customer service and same-day filing. QuoteMoto offers the best rates from $12/month with no filing fee.
Complete SR-22 Comparison Guide
Comparing SR-22 rates in California can save you thousands of dollars over the required 3-year period. With differences of up to 150% between insurers, it's crucial to understand how to evaluate each option effectively.
Why SR-22 Rates Vary So Much
SR-22 rates vary significantly between insurers due to different risk assessment models. While Progressive might charge $52/month for a DUI, QuoteMoto offers the same coverage for $12/month. This $100 monthly difference adds up to $3,600 over the required 3-year SR-22 period. Key factors include: proprietary risk algorithms, experience with high-risk drivers, operational cost structure, and competition in the SR-22 market.
Anatomy of an SR-22 Quote
A complete SR-22 quote includes several components: base liability premium (typically $30-60/month), SR-22 surcharge (15-25% additional), DMV filing fee ($0-50, free with QuoteMoto), and any optional additional coverage. It's crucial to compare apples to apples - ensure all quotes include the same coverage limits (minimum 15/30/5 in California) and the same payment period (monthly vs annual).
Advanced Savings Strategies
Maximize your savings with these proven strategies: 1) Non-owner SR-22 if you don't have a vehicle (save 60%), 2) Annual payment instead of monthly (save 10-15%), 3) Bundle with other insurance for multi-policy discounts, 4) Maintain excellent credit (can reduce rates 20%), 5) Complete defensive driving courses (5-10% discount), 6) Increase deductibles if you have full coverage, 7) Review and compare rates every 6 months.
Detailed Insurer Analysis
Progressive
Best for: Existing customers with good history
State Farm
Best for: Customers with multiple policies
Geico
Best for: Online process, non-owners
Allstate
Best for: Local agent service
Farmers
Best for: Full coverage and discounts
Freeway Insurance
Best for: Same-day service, Spanish speakers
SR-22 Cost Calculator
With QuoteMoto
With Competitors
Over the 3-year SR-22 period with QuoteMoto
What Our Customers Say
"Compared with 5 insurers and QuoteMoto was 40% cheaper. SR-22 filed same day, excellent service."
"After my DUI, I thought I'd pay $300/month. QuoteMoto got me SR-22 for $17/month. Amazing savings."
"No SR-22 filing fee, easy online process, and 24/7 service. Better than Progressive and State Farm."
Written by James Rodriguez
Senior SR-22 Specialist | 15+ years experience
James has helped over 50,000 California drivers obtain affordable SR-22 after DUIs, suspended licenses, and other violations. He is a certified expert in high-risk insurance and author of multiple guides on SR-22 compliance.
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All Your Questions Answered
Why do SR-22 rates vary so much between insurers?
SR-22 rates vary significantly because each insurer evaluates risk differently. A DUI might increase rates 70-150% at one company but only 50% at another. Factors include: driving history, age, location, vehicle type, and each insurer's underwriting policies. That's why comparing is essential.
Does QuoteMoto really offer the best SR-22 rates?
Yes, QuoteMoto consistently offers rates 30-40% lower than State Farm, Progressive, and Geico. Plus, we don't charge the $15-50 SR-22 filing fee others charge. With over 37,000 satisfied customers and 4.8/5 rating, we're California's leader in affordable SR-22.
Can I switch SR-22 insurers to get a better rate?
Absolutely yes. You can switch SR-22 insurers anytime without penalty. Just ensure: 1) Get new SR-22 coverage first, 2) Verify new SR-22 is active with DMV, 3) Then cancel old policy. Never have a coverage gap.
What exactly is included in the SR-22 quote?
SR-22 quote includes: base liability insurance premium, SR-22 surcharge (typically 15-25%), DMV filing fee (free with QuoteMoto, others charge $15-50), and any applicable discounts. No hidden charges or surprises.
Do SR-22 rates go down over time?
Yes, definitely. SR-22 rates decrease approximately 10-20% each year without violations. After the required 3-year period, you can remove SR-22 and save an additional 25-40%. Maintain a clean record to maximize reductions.
What's the price difference between regular and non-owner SR-22?
Non-owner SR-22 costs 60% less than regular SR-22. For example: regular SR-22 averages $89-149/month, while non-owner SR-22 costs $39-59/month. If you don't own a car, you can save $600-1,200 annually with non-owner SR-22.
How do I compare SR-22 rates effectively?
To compare effectively: 1) Get quotes from minimum 3-5 insurers, 2) Compare identical coverage (30/60/15), 3) Ask about all included fees, 4) Check available discounts, 5) Consider customer service and reviews. Use our comparison table to see everything side-by-side.
Which insurer has the cheapest SR-22 in California?
QuoteMoto consistently offers the cheapest SR-22 in California from $12/month. Progressive averages $89-149/month, State Farm $95-159/month, Geico $79-139/month, and Freeway $69-129/month. QuoteMoto is also the only one with no filing fee.
Progressive or State Farm for SR-22?
Progressive is generally cheaper ($89-149/month) than State Farm ($95-159/month) for SR-22. Progressive offers non-owner SR-22 and online process, while State Farm doesn't. However, QuoteMoto beats both with rates from $12/month.
Does Geico offer good SR-22 pricing?
Geico offers SR-22 at $79-139/month with $15 fee, which is competitive but not cheapest. Pros: online process and non-owner SR-22. Cons: not same-day and no Spanish support. QuoteMoto is 40% cheaper.
Is Freeway Insurance a good option for SR-22?
Freeway offers SR-22 at $69-129/month with Spanish support, but charges $20 filing fee and has 3.9/5 rating. No online quotes available. QuoteMoto is better option with better pricing, no filing fee, and 4.8/5 rating.
How much does insurance increase with SR-22?
SR-22 increases premiums 15-25% for the certificate itself, but the reason for SR-22 impacts more: DUI increases 70-150%, suspended license 30-50%, no insurance 25-40%. Total increase varies by your specific situation.
Can I get SR-22 same day?
Yes, QuoteMoto and Freeway offer same-day SR-22. Progressive, State Farm, and Geico typically take 1-3 business days. With QuoteMoto, SR-22 is filed electronically with DMV within 2-4 hours during business days.
What discounts are available for SR-22?
Common discounts include: annual payment in full (10%), automatic payment (5%), defensive driving course (10%), multiple policies (15%), good student (10%). QuoteMoto combines all applicable discounts to maximize your savings.
Should I choose minimum or full coverage with SR-22?
Minimum coverage (30/60/15) meets SR-22 requirements and is most economical. Full coverage costs 40-60% more but protects your vehicle. If your car is worth less than $5,000, minimum coverage is usually sufficient.
How do I know if an SR-22 quote is legitimate?
Legitimate SR-22 quotes include: specific coverage amounts (30/60/15), clear breakdown of costs, company license number, no pressure tactics, written documentation. Be wary of quotes that seem too good to be true or require immediate payment.
What's the average SR-22 cost after DUI in California?
After DUI, SR-22 averages $150-250/month in California. QuoteMoto offers post-DUI SR-22 from $32/month. Factors affecting cost: number of DUIs, time since DUI, age, and whether you need regular or non-owner SR-22.
Can I get SR-22 with bad credit?
Yes, QuoteMoto offers SR-22 regardless of credit score. While some insurers check credit, we focus on driving history. Bad credit won't prevent SR-22 approval, though it may slightly affect rates with some companies.
Is online SR-22 comparison accurate?
Yes, our online comparison tool provides accurate real-time quotes from multiple insurers. Rates shown include all fees and surcharges. Final rate may vary slightly based on additional underwriting, but typically within 5% of quote.
When should I shop for better SR-22 rates?
Shop for better rates: 1) Every 6-12 months as rates decrease, 2) After completing traffic school, 3) When moving to different area, 4) After birthday (rates drop at 25), 5) Before renewal to ensure best price.
Rate Comparison Questions
Why do SR-22 rates vary so much between insurers?
SR-22 rates vary significantly because each insurer evaluates risk differently. A DUI might increase rates 70-150% at one company but only 50% at another. Factors include: driving history, age, location, vehicle type, and each insurer's underwriting policies. That's why comparing is essential.
Does QuoteMoto really offer the best SR-22 rates?
Yes, QuoteMoto consistently offers rates 30-40% lower than State Farm, Progressive, and Geico. Plus, we don't charge the $15-50 SR-22 filing fee others charge. With over 37,000 satisfied customers and 4.8/5 rating, we're California's leader in affordable SR-22.
Can I switch SR-22 insurers to get a better rate?
Absolutely yes. You can switch SR-22 insurers anytime without penalty. Just ensure: 1) Get new SR-22 coverage first, 2) Verify new SR-22 is active with DMV, 3) Then cancel old policy. Never have a coverage gap.
What exactly is included in the SR-22 quote?
SR-22 quote includes: base liability insurance premium, SR-22 surcharge (typically 15-25%), DMV filing fee (free with QuoteMoto, others charge $15-50), and any applicable discounts. No hidden charges or surprises.
Do SR-22 rates go down over time?
Yes, definitely. SR-22 rates decrease approximately 10-20% each year without violations. After the required 3-year period, you can remove SR-22 and save an additional 25-40%. Maintain a clean record to maximize reductions.