Geico SR-22 Insurance Review (2024)
You can get GEICO SR-22 insurance by calling 1-800-861-8380. SR-22 forms are not insurance but an official filing with the DMV that proves you carry at least the minimum level of auto insurance. If you have GEICO auto insurance, an agent will file the SR-22 proof of insurance with the DMV on your behalf.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our 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.
UPDATED: Oct 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our 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.
On This Page
- You can get Geico SR-22 insurance online by visiting the Geico website and choosing “yes” when prompted with, “Need a Certificate of Financial Responsibility or SR-22?”
- Drivers can also buy Geico SR-22 insurance by calling 1-800-861-8380.
- SR-22 will raise your auto insurance rates, so compare multiple high-risk auto insurance quotes before deciding on a company.
Does Geico have SR-22? Yes, Geico offers SR-22 insurance to high-risk drivers with DUI or reckless driving offenses on their records. SR-22 filings are one of the major factors that affect auto insurance rates, but you can save money by comparing Geico SR-22 insurance quotes to other insurers in your neighborhood.
If you need an SR-22, keep reading our guide to learn how to get SR-22 insurance from Geico. We will show you step-by-step how to sign up for SR-22 with Geico and help you compare SR-22 auto insurance quotes from multiple companies so you can get the best rates.
Before you learn how to buy Geico SR-22 insurance, let us help you find cheap SR-22 insurance near you. Enter your ZIP code above to start comparing auto insurance quotes for free today.
How to Get SR-22 Insurance From Geico
If you are not a Geico customer, follow these steps to get SR-22 insurance from a Geico agent:
- Visit the Geico.com website and choose “auto insurance” and “Start My Quote,” as you see in the photo above.
- On the next screen, choose “Yes” when you are prompted with, “Need a Certificate of Financial Responsibility or SR-22?”
- Buy a policy, and the agent will file the SR-22 for you.
You can also buy SR-22 auto insurance from Geico customer service over the phone at 1-800-861-8380.
If you already carry a Geico policy, the easiest way to buy SR-22 insurance is to contact an agent directly at 1-877-206-0215. The agent will file your SR-22 with the state DMV, and you will pay the required filing fee (usually between $15-$35 depending on where you live).
How to Get Geico SR-22 Non-Owner Insurance
Non-owner auto insurance policies are designed for drivers who do not own a vehicle but borrow vehicles often.
Geico provides SR-22 non-owner insurance, and you can buy a policy by contacting 1-800-861-8380.
On average, non-owner insurance costs $311 per year. However, with SR-22 filings, you’ll be considered a high-risk driver, and insurance companies will charge you more expensive rates.
Do not assume Geico offers the most competitive rates. Check for yourself by comparing auto insurance quotes from multiple companies before you buy.
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How much does Geico SR-22 insurance cost?
Is SR-22 cheaper than regular insurance? Unfortunately, no.
On average, SR-22 insurance can cost between $1,700-1,800 per year (or $140-$150/mo), but your SR-22 insurance rates will vary based on where you live and the charges on your driving record.
Take a look at the table below to see what you could pay for SR-22 insurance with a DUI from the top auto insurance companies in the country:
Average Annual Auto Insurance Rates by Driving Record
Companies Average Annual Rates with a Clean Record Average Annual Rates with 1 Accident Average Annual Rates with 1 DUI Average Annual Rates with 1 Speeding Violation
USAA $1,933.68 $2,516.24 $3,506.03 $2,193.25
Geico $2,145.96 $3,192.77 $4,875.87 $2,645.43
American Family $2,693.61 $3,722.75 $4,330.24 $3,025.74
Nationwide $2,746.18 $3,396.95 $4,543.20 $3,113.68
State Farm $2,821.18 $3,396.01 $3,636.80 $3,186.01
Progressive $3,393.09 $4,777.04 $3,969.65 $4,002.28
Travelers $3,447.69 $4,289.74 $5,741.40 $4,260.80
Farmers $3,460.60 $4,518.73 $4,718.75 $4,079.01
Allstate $3,819.90 $4,987.68 $6,260.73 $4,483.51
Liberty Mutual $4,774.30 $6,204.78 $7,613.48 $5,701.26
Who has the cheapest SR-22 insurance? Geico and USAA are the cheapest companies for drivers with DUIs and SR-22 filings. However, USAA is only available to active and retired military members and their families. If you are not eligible, Geico could be a competitive choice for SR-22.
Every insurance company will consider your risk level differently, and each will have different rates for different types of high-risk drivers. Your state laws will also impact how much you pay for auto insurance, so it is important to look at at least three different high-risk companies before you buy.
Do you need a high-risk auto insurance company? Just because you need SR-22 insurance does not mean you cannot find affordable coverage. Invest some time comparing multiple SR-22 quotes before you buy auto insurance from Geico or any other insurer. That way, you can see which company can actually offer you the most competitive rates.
How do I know if I need SR-22 insurance?
If a court recently revoked your license for reckless or drunk driving charges, multiple speeding tickets, or missed child support payments, then you will be required to file an SR-22 to reinstate your driving privileges.
SR-22 filings are for high-risk drivers who cannot find coverage with standard auto insurance companies due to their increased risk. Contact your local DMV to find out if you need to file an SR-22.
What types of drivers need high-risk auto insurance coverage? High-risk drivers have charges on their driving or criminal records that either increase the likelihood of filing a claim, cost them their driving privileges, or both. Typically, driving without a valid license or up-to-date insurance coverage will result in license revocation. Multiple moving violations can also cost you your license.
Suppose you lost your driving privileges after an auto accident or moving violation. In that case, you must file an SR-22 with your DMV to prove you carry your state’s minimum level of auto insurance and reinstate your driver’s license.
Now that you know how to get Geico SR-22 insurance, start shopping around with companies to see which offers the best rates. Enter your ZIP code below to compare affordable auto insurance quotes from the high-risk insurers in your neighborhood for free.
Frequently Asked Questions
What should I do before purchasing Geico SR-22 insurance?
Before purchasing Geico SR-22 insurance, it’s recommended to compare quotes from different high-risk auto insurance companies to ensure you’re getting the best rates. Enter your ZIP code to view companies that offer cheap auto insurance rates and make an informed decision.
Who offers the cheapest SR-22 insurance?
Geico and USAA are often considered the cheapest options for drivers with SR-22 filings, particularly for those with DUIs. However, USAA is only available to active and retired military members and their families. It’s essential to compare quotes from multiple insurers to find the most affordable coverage for your specific situation.
Is SR-22 insurance more expensive than regular insurance?
Yes, SR-22 insurance is generally more expensive than regular insurance. On average, it can cost between $1,700 and $1,800 per year. However, rates can vary based on your location and driving record.
How do I know if I need SR-22 insurance?
If your license has been revoked due to offenses like reckless driving, DUI, multiple speeding tickets, or missed child support payments, you will likely need to file an SR-22 to reinstate your driving privileges. Contact your local DMV to confirm whether you need to file an SR-22.
Can I switch insurance companies while I have an SR-22 filing?
Yes, you can switch insurance companies while you have an SR-22 filing. However, it’s important to ensure that the new insurance company is willing to file the SR-22 on your behalf before canceling your existing policy.
Can I get SR-22 insurance if I don’t own a car?
Yes, you can get SR-22 non-owner insurance if you don’t own a car but still need to meet the SR-22 filing requirements. This type of insurance provides liability coverage when you borrow or rent vehicles.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.