Best Washington SR-22 Insurance in 2024 (Top 10 Companies Ranked)
For the best Washington SR-22 insurance, Nationwide, Progressive, and Allstate emerge as leading providers, with rates starting as low as $20 per month. Nationwide stands out with industry-leading 40% safe driver discount, Progressive offers unique rate reductions every 6 months, and Allstate provides digital compliance tracking with automatic renewal alerts.
Most drivers must maintain coverage for at least three years, with monthly premiums ranging from $20 to $50 for full coverage depending on violation type and provider.
| Company | Rank | UBI Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
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#1 | 40% | A+ | Affordable Rates | Nationwide |
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#2 | 30% | A+ | Broad Coverage | Progressive |
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#3 | 30% | A+ | UBI Savings | Allstate |
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#4 | 30% | A | Customizable Options | Farmers |
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#5 | 25% | A++ | Military Discounts | Geico |
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#6 | 30% | A++ | Member Benefits | USAA |
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#7 | 30% | A | Flexible Payments | Liberty Mutual |
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#8 | 30% | B | Strong Reputation | State Farm |
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#9 | 30% | A++ | Innovative Discounts | Travelers |
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#10 | 30% | A | Loyalty Rewards | American Family |
To find the most affordable SR-22 coverage in Washington, drivers should compare quotes from multiple providers and explore available discounts, as cost of car insurance can vary based on factors like driving history, location, and vehicle type.
By entering your ZIP code above, you can get instant car insurance quotes from top providers.
What You Should Know
- Nationwide offers industry-leading 40% safe driver discount
- SR-22 insurance coverage is required for at least three years after serious violations in Washington
- Progressive's unique 6-month rate reduction program
#1 – Nationwide: Top Overall Pick
Pros
- Lowest SR-22 Filing Fee: Only $15 filing fee in Washington state, making it the most affordable option as detailed in our Nationwide car insurance review.
- Quick SR-22 Processing: Same-day filing with Washington DOL.
- SR-22 Rate Reduction: Up to 40% discount after 1 year of safe driving with SR-22.
Cons
- SR-22 Monitoring: Strict compliance checks may lead to higher rates for minor violations.
- Limited SR-22 Support: Fewer specialized agents for SR-22 cases in Washington.
#2 – Progressive: Best for Broad Coverage
Pros
- SR-22 Price Tool: Compare Washington SR-22 rates instantly online.
- SR-22 Duration Discount: As outlined in our Progressive car insurance review, rates decrease every 6 months of maintained SR-22.
- Flexible SR-22 Filing: Multiple options for Washington state filing requirements.
Cons
- SR-22 Transfer Fees: Additional costs when switching from another provider.
- High Risk Premiums: Steep SR-22 rates for severe driving violations in Washington.
#3 – Allstate: Best for UBI Savings
Pros
- SR-22 Monitoring App: Digital tracking of SR-22 compliance status.
- SR-22 Renewal Alerts: Automatic notifications before Washington filing expires.
- SR-22 Violation Protection: Our Allstate car insurance review details how coverage maintains after minor infractions.
Cons
- SR-22 Base Rates: Higher initial SR-22 filing costs in Washington.
- Strict SR-22 Terms: Rigid compliance requirements for maintaining coverage.
#4 – Farmers: Best for Customizable Options
Pros
- Custom SR-22 Plans: Tailored coverage options for different violation types.
- SR-22 Bundling: As detailed in our Farmers car insurance review, significant savings available when combining home and SR-22 insurance.
- Local SR-22 Support: Dedicated Washington agents for SR-22 filing.
Cons
- SR-22 Documentation: Extensive paperwork for Washington state compliance.
- Limited SR-22 Payment Plans: Fewer installment options for high-risk drivers.
#5 – Geico: Best for Member Benefits
Pros
- Great SR-22 Rates: Special pricing for members requiring SR-22 in Washington.
- SR-22 E-Filing: Immediate electronic submission to Washington DOL. Check out these tips for filing a car insurance claim once you filed with Geico.
- 24/7 SR-22 Support: Round-the-clock assistance with Washington filing requirements.
Cons
- SR-22 Coverage Limits: Restricted policy modifications while under SR-22.
- Basic SR-22 Service: Minimal additional benefits for high-risk drivers.
#6 – USAA: Best for Military Discounts
Pros
- Military SR-22 Expertise: Our USAA car insurance review highlights their specialized handling of Washington SR-22 for service members.
- SR-22 Rate Protection: Minimal increases for deployment-related filing gaps.
- Fast SR-22 Processing: Priority handling of Washington state requirements.
Cons
- SR-22 Eligibility: Military connection required for coverage.
- Limited SR-22 Options: Restricted coverage types for certain violations.
#7 – Liberty Mutual: Best for Flexible Payments
Pros
- SR-22 Installments: Multiple payment options for Washington filing fees.
- SR-22 Mileage Pricing: Usage-based rates for limited driving under SR-22.
- Flexible SR-22 Terms: According to our car insurance review of Liberty Mutual, they offer adjustable coverage periods beyond state minimums.
Cons
- SR-22 Rate Consistency: Variable pricing between online and agent quotes.
- High SR-22 Down Payment: Larger initial deposit for Washington policies.
#8 – State Farm: Best for Strong Reputation
Pros
- Dedicated SR-22 Agents: Personal assistance throughout filing process.
- SR-22 Renewal Support: Our State Farm car insurance review details their proactive handling of Washington requirements.
- SR-22 Rate Counseling: Guidance on improving rates after violations.
Cons
- SR-22 Tech Interface: Basic online tools for filing management.
- Conservative SR-22 Rates: Higher premiums for serious violations.
#9 – Travelers: Best for Innovative Discounts
Pros
- SR-22 Education Credit: Rate reductions for completing safety courses.
- SR-22 Early Filing: Our Travelers car insurance review explains their unique discounts for proactive Washington compliance.
- SR-22 Hybrid Savings: Lower rates for eco-friendly vehicles under SR-22.
Cons
- SR-22 Transfer Process: Complex procedures when switching carriers.
- Limited SR-22 Forgiveness: Strict violation policies while under filing.
#10 – American Family: Best for Loyalty Rewards
Pros
- SR-22 Loyalty Benefits: Our review of American Family car insurance highlights their rate improvements for maintained compliance.
- SR-22 Family Pricing: Multi-vehicle discounts despite SR-22 status.
- SR-22 Milestone Rewards: Decreasing rates at filing anniversary dates.
Cons
- SR-22 Application Length: Extended processing time for new filings.
- Restricted SR-22 Changes: Limited mid-term policy adjustments in Washington.
SR-22 Insurance in the State of Washington
To find the best Washington SR22 insurance you have to know what the state requires you to have and what coverage options there are. Minimum liability coverage required by the state is $25,000 for bodily injury per person, $50,000 per accident, and $10,000 for property damage. Here's the monthly rates comparison between basic and full coverage:
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
|
$50 | $114 |
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$40 | $91 |
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$44 | $102 |
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$32 | $75 |
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$40 | $92 |
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$30 | $70 |
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$26 | $60 |
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$30 | $69 |
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$35 | $81 |
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$20 | $46 |
SR22 insurance cost in Washington state varies significantly, with full coverage rates depending on the what kind of car insurance you really need and your driving record. This table presents the annual number of traffic accidents and resulting insurance claims across major cities in Washington state.
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Good Driver | A | 30% | Geico, State Farm, Progressive, Nationwide |
| Multi-Vehicle | A | 25% | Geico, State Farm, Progressive, Nationwide |
| Bundling | A | 20% | Geico, State Farm, Progressive, Nationwide |
| Steer Clear® Safe Driver | A- | 15% | State Farm |
| Good Student | B | 15% | Geico, State Farm, Progressive, Nationwide |
| Defensive Driving Course | B | 10% | State Farm, Progressive, Nationwide |
| Passive Restraint | B | 5% | State Farm, Progressive, Nationwide |
Most companies require maintaining SR-22 coverage for at least three years without any lapses. For those without vehicles, non-owner SR-22 in Washington state is available and required if you've committed violations while driving rental or borrowed cars.
For example, the table below shows how often and at what average cost Washington residents file the most common types of auto insurance claims.
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Windshield Damage | 30% | $400 |
| Rear-End Collisions | 29% | $3,000 |
| Vandalism | 15% | $1,500 |
| Single-Vehicle Accidents | 10% | $10,000 |
| Intersection Accidents | 8% | $20,000 |
Washington’s key providers such as Nationwide offer electronic filing with the Washington Department of Licensing (DOL), which keeps you in compliance with state requirements immediately, but also offers flexible payment options to help you absorb the increased premium costs.
How to Save on Washington SR-22 Insurance
When searching for the cheapest SR-22 insurance in Washington state, several providers offer unique savings opportunities despite high-risk status.
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Good Driver | A | 30% | Geico, State Farm, Progressive, Nationwide |
| Multi-Vehicle | A | 25% | Geico, State Farm, Progressive, Nationwide |
| Bundling | A | 20% | Geico, State Farm, Progressive, Nationwide |
| Steer Clear® Safe Driver | A- | 15% | State Farm |
| Good Student | B | 15% | Geico, State Farm, Progressive, Nationwide |
| Defensive Driving Course | B | 10% | State Farm, Progressive, Nationwide |
| Passive Restraint | B | 5% | State Farm, Progressive, Nationwide |
Progressive and Nationwide stand out for affordable SR-22 insurance in Washington through their usage-based programs, offering up to 30-40% rate reductions for demonstrated safe driving.
| Insurance Company | Available Discount |
|---|---|
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Multi-Policy, Good Student, Safe Driver, Defensive Driving Course, Anti-Theft Device, Loyalty, Generational |
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Multi-Policy, Safe Driver, Good Student, Anti-Theft Device, Homeownership, Electronic Payment |
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Multi-Policy, Good Driver, Defensive Driving Course, Good Student, Military, Emergency Deployment, Federal Employee, Vehicle Safety Equipment |
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Multi-Policy, Multi-Vehicle, Safe Driver, Homeowner, Good Student, Pay-In-Full, Paperless Billing |
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Multi-Policy, Multi-Vehicle, Safe Driver, Defensive Driving Course, Anti-Theft Device, Paperless Billing, Automatic Payments |
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Multi-Policy, Multi-Vehicle, Safe Driver, Pay-In-Full, Continuous Insurance, Good Student, Snapshot Program |
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Multi-Policy, Multi-Vehicle, Good Driver, Good Student, Defensive Driving Course, Anti-Theft Device, Safe Vehicle |
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Multi-Policy, Safe Driver, Good Student, New Car, Hybrid/electric Vehicle, Pay-In-Full, Homeownership |
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Multi-Policy, Safe Driver, Good Student, Defensive Driving Course, New Vehicle, Family Legacy (children of Usaa Members), Low Annual Mileage |
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Multi-Policy, Good Student, Safe Driver, Defensive Driving Course, Anti-Theft Device, Loyalty, Generational |
For cheap SR22 insurance in Washington, USAA offers the lowest base rates starting at $20 monthly, plus additional military-specific discounts. Beyond traditional discounts, drivers can reduce SR-22 insurance costs by bundling policies, completing defensive driving courses, or opting for higher deductibles.
data-media-max-width="560">Are you or do you know a senior driver? If you are looking to improve your driving while also saving money, consider taking a defensive driving course. Read all the ways you can save here! ➡️ https://t.co/5b0jmSJ8xd #OlderDriverSafetyAwarenessWeek #Seniors #Savings #Driving 👵 pic.twitter.com/e1a1OOV9CV
— Clearsurance (@clearsurance) December 8, 2021
Some providers like Farmers and Liberty Mutual also offer payment flexibility with no-penalty monthly installments for SR-22 filing fees.
Washington SR-22 Insurance Requirements & Filing Process
The rates for SR-22 insurance in Washington are dependent upon violation type and the provider. Liberty Mutual charges the most, while Progressive offers the cheapest. Other things that determine SR-22 costs are age, location, credit score, and what kind of car you have.
Drivers will have to work directly with insurance providers to get SR 22 coverage and there is a filing fee anywhere from $25-$50. The Washington Automobile Assigned Risk Plan is an alternative for those who cannot obtain traditional coverage. In the table below, we see Washington state's auto insurance risk factors and how they rank (based on industry standards) by grade.
| Category | Grade | Explanation |
|---|---|---|
| Average Claim Size | B | Slightly Below Average |
| Traffic Density | B | Moderate Traffic |
| Weather-Related Risks | B | Mild Climate |
| Vehicle Theft Rate | C | Moderate Theft Rate |
| Uninsured Drivers Rate | D | High Uninsured Rate |
On the other hand, drivers can avoid SR-22 filing by depositing $60,000 to the State Treasury or purchasing a surety bond from a licensed agency.
Leading Washington SR-22 Insurance Companies
Nationwide leads Washington SR-22 insurance providers with the lowest filing fee of $15, followed by Progressive's unique 6-month rate reduction program, and Allstate's digital compliance tracking app.
For SR-22 insurance in Washington, these companies stand out for their specific benefits that help high-risk drivers manage costs and maintain compliance.
Read More: Top 10 Car Insurance Companies for High-Risk Drivers
Remember that while price is important, choose a provider that offers robust filing support and electronic submission to the Washington Department of Licensing to ensure continuous coverage compliance during your three-year requirement period.
Our free online comparison tool below allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.
Frequently Asked Questions
How long do you need SR-22 insurance in Washington state?
Washington state requires drivers to maintain SR-22 coverage for three years from the reinstatement date of their license. Some providers offer programs to help reduce this period for safe driving.
Who needs SR-22 insurance in Washington?
Drivers must file SR-22 after DUI convictions, driving without insurance, license suspensions, multiple traffic violations, or at-fault accidents. Coverage requirements vary based on violation type.
Take the first step toward cheaper car insurance rates. Enter your ZIP code below to see how much you could save.
How to file SR-22 documentation in Washington?
While SR-22 filing may seem complex, most providers handle it directly. Understanding what kind of car insurance you really need and how your driving record impacts coverage can help streamline the process.
Who provides SR-22 insurance?
Major insurers including Nationwide, Progressive, and Allstate offer SR-22 coverage with various programs and support options for high-risk drivers.
How much does SR-22 insurance cost?
Filing fees range from $15-50, while monthly premiums vary from $20-114 for full coverage, depending on your driving history and chosen provider.
Where is the cheapest place to get SR-22 insurance?
USAA offers the lowest rates starting at $20 monthly for military members, while Progressive and Nationwide provide competitive rates. Explore our guide on top ways customers save money on their car insurance to find additional discounts.
How much is car insurance in Washington state?
Standard car insurance in Washington averages $70-150 monthly, while SR-22 coverage typically costs 90% more due to high-risk status.
Which company has the cheapest SR-22?
USAA offers the lowest SR-22 rates at $46 monthly for full coverage, followed by Progressive at $60 and Nationwide at $70.
What Is SR-22 used for?
SR-22 is a certificate of financial responsibility required by Washington state after serious violations. Learn more about what is liability car insurance and how it differs from SR-22 requirements.
Where to buy SR-22 insurance?
Purchase SR-22 insurance directly from licensed providers or compare quotes online. Most major insurers offer instant quotes and same-day DOL filing.
Ready to find cheaper car insurance coverage? Enter your ZIP code below to begin.