Cheapest SR-22 Insurance in New York for 2024 (Save With These 10 Providers)
Erie, Geico, and State Farm have the cheapest SR-22 insurance in New York. Erie SR-22 insurance plans start from $25/month. Geico excels with mobile-friendly experiences and discounts, while State Farm’s Drive Safe & Save program can help some high-risk drivers lower their New York SR-22 insurance rates.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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: Nov 16, 2024
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: Nov 16, 2024
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
1,814 reviewsCompany Facts
Min. Coverage for SR-22 in New York
A.M. Best Rating
Complaint Level
Pros & Cons
1,814 reviews
19,116 reviewsCompany Facts
Min. Coverage for SR-22 in New York
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
17,759 reviewsCompany Facts
Min. Coverage for SR-22 in New York
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviewsErie, Geico, and State Farm offer the cheapest SR-22 insurance in New York, with premiums starting at $25/month.
Finding affordable SR-22 insurance in New York is crucial. This guide to SR-22 insurance in New York covers everything you need to know, from average costs to required filings. Here are the top providers offering the best deals:
Our Top 10 Company Picks: Cheapest SR-22 Insurance in New York
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $25 | A+ | Regional Focus | Erie |
 | #2 | $28 | A++ | Mobile Processing | Geico |
 | #3 | $31 | B | Usage-Based Pricing | State Farm |
 | #4 | $35 | A | Broad Discounts | Liberty Mutual |
 | #5 | $37 | A+ | Specialized Coverage | The Hartford |
 | #6 | $39 | A | Loyalty Programs | American Family |
 | #7 | $42 | A+ | Online Quotes | Progressive |
 | #8 | $43 | A++ | Multiple Vehicles | Travelers |
 | #9 | $45 | A+ | Bundle Savings | Allstate |
 | #10 | $48 | A | Customizable Policies | Farmers |
If you’re looking for cheap SR-22 auto insurance and want to compare rates, this article will help you navigate your options, save money, and ensure you meet state requirements. Explore more auto insurance options by entering your ZIP code into our free comparison tool today.
- The best SR-22 insurance companies in NY are Erie, Geico, and State Farm
- The cheapest basic SR-22 coverage starts at $25/month
- SR-22 insurance discounts can help lower New York insurance costs
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#1 – Erie: Top Pick Overall
Pros
- Local Market Expertise: Specialized knowledge of New York SR-22 requirements, delivering service at $25 monthly.
- Payment Flexibility: Multiple options for NY SR-22 drivers, including paid-in-full discounts on minimum coverage.
- Regional Service Network: Strong presence in New York for SR-22 filing support and claims processing.
Cons
- Limited Availability: SR-22 coverage is restricted to specific New York regions at a $25 rate.
- Basic Digital Tools: Less advanced online services for New York SR-22 policy management.
#2 – Geico: Cheapest Online Service
Pros
- Streamlined Processing: Quick online New York SR-22 filing system with a $28 monthly minimum coverage rate.
- Military Benefits: Special SR-22 discounts for New York service members below standard rates. (Read More: Best Geico Auto Insurance Discounts)
- Digital Integration: Advanced auto insurance app for NY SR-22 policy management and documentation needs.
Cons
- Limited Personal Support: Minimal in-person assistance for NY SR-22 filing procedures.
- Poor Claims Service: Geico SR-22 insurance claims reviews are below average.
#3 – State Farm: Cheapest Usage-Based Rates
Pros
- Drive Safe Program: Qualifying NY SR-22 drivers can reduce the $31 monthly rate through usage-based insurance. (Read More: State Farm Drive Safe & Save Review)
- Multi-Policy Options: Combined coverage discounts on New York SR-22 insurance requirements.
- Young Driver Focus: Special SR-22 savings programs for New York drivers under 25.
Cons
- Agent Dependency: NY SR-22 filing requires local agent involvement, potentially delaying the process.
- Low Financial Scores: A.M. Best rating is lower than other New York Sr-22 insurance companies.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#4 – Liberty Mutual: Cheapest With Discounts
Pros
- Military Savings: NY SR-22 coverage discounts for service members reduce the $35 monthly rate.
- Early Shopping Benefits: Advanced NY SR-22 policy purchase saves money on minimum coverage rates.
- Safety Feature Rewards: New York SR-22 drivers with anti-theft devices receive premium discounts.
Cons
- Full Coverage Cost: Significant jump to $140 for NY SR-22 full coverage insurance. Compare quotes in our Liberty Mutual auto insurance review.
- Complex Discount Rules: Multiple requirements for the New York SR-22 discount qualification process.
#5 – The Hartford: Cheapest for Specialized Coverage
Pros
- Hybrid Vehicle Focus: The Hartford is among the best eco-friendly auto insurance companies with unique NY SR-22 discounts for eco-friendly vehicles.
- Recovery System Benefits: New York SR-22 rates are reduced with vehicle tracking installation.
- Bundle Advantages: Home-auto combinations lower NY SR-22 insurance costs significantly.
Cons
- Age Restrictions: SR-22 coverage options are not available to younger drivers in New York.
- Qualification Process: Strict screening for New York SR-22 insurance acceptance.
#6 – American Family: Cheapest Loyalty Programs
Pros
- Long-Term Rewards: NY SR-22 rate reductions for continued coverage below $39 monthly.
- Early Enrollment Savings: Special New York SR-22 discounts for advance policy purchases.
- Safe Driver Benefits: American Family NY SR-22 rates decrease with a clean driving record. (Read More: How Auto Insurance Companies Check Driving Records)
Cons
- Limited Availability: Not all NY regions qualify for advertised SR-22 rates.
- Program Requirements: AmFam offers the best customer loyalty auto insurance discounts but has strict criteria for New York SR-22 loyalty discount eligibility.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#7 – Progressive: Cheapest Online Quotes
Pros
- Online Quote Savings: Digital enrollment discounts for NY SR-22 coverage at $42/month.
- Continuous Coverage Value: New York SR-22 premium reductions for maintained insurance history.
- Snapshot Integration: As mentioned in our Progressive SR-22 insurance review, NY SR-22 rates adjust based on actual driving patterns.
Cons
- Premium Variations: Usage-based NY SR-22 rates could increase based on driving habits.
- Device Requirements: Mandatory monitoring equipment for New York SR-22 program participation.
#8 – Travelers: Cheapest for Multi-Vehicle Policies
Pros
- Multi-Vehicle Benefits: Our Travelers auto insurance review mentions the company’s additional NY SR-22 savings for insuring multiple cars.
- Hybrid Incentives: NY SR-22 discounts for electric vehicle owners at $43 monthly.
- Student Programs: Special New York SR-22 rates for qualifying academic achievement.
Cons
- Documentation Needs: Extensive verification is required for NY SR-22 discount eligibility.
- Coverage Limitations: Restricted New York SR-22 options for certain vehicle types.
#9 – Allstate: Cheapest Bundle Savings
Pros
- Package Discounts: Combined NY policies reduce SR-22 rates below $45 monthly.
- Early Filing Rewards: New York SR-22 savings for advance insurance registration.
- Education Benefits: Why should you take a defensive driving class? Allstate offers NY SR-22 discounts for completing approved safety courses.
Cons
- High Base Rate: NY SR-22 insurance coverage costs more than most competitors.
- Bundle Requirements: Strict qualifications for New York SR-22 insurance discount eligibility.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#10 – Farmers: Cheapest Customizable Policies
Pros
- Alternative Fuel Benefits: NY SR-22 discounts for environmentally friendly vehicles at $48.
- Signal Program: Usage-based New York SR-22 insurance savings through mobile tracking. (Read More: Cheap Usage-Based Auto Insurance)
- Coverage Flexibility: Adaptable NY SR-22 policy options for various driver needs.
Cons
- Premium Position: Highest base rate for New York SR-22 minimum coverage.
- Program Complexity: Multiple steps are required for NY SR-22 coverage customization.
SR-22 Insurance in NY: Monthly Rates by Provider & Coverage Level
Whether you’re looking for the best New York auto insurance rates or need unique coverage options after filing SR-22, it’s wise to compare quotes from multiple companies to find the best prices.
New York SR-22 Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $45 | $160 |
| $39 | $145 |
| $25 | $125 |
| $48 | $155 |
| $28 | $135 |
| $35 | $140 |
| $42 | $148 |
| $31 | $130 |
| $37 | $138 |
| $43 | $142 |
Does NY require SR-22 insurance? Yes, New York mandates SR-22 filings for certain drivers who need to prove they carry minimum auto insurance coverage.
Erie has the best price on New York SR-22 auto insurance, but you might find that Geico and State Farm have more streamlined filing processes online.
Maximize Your Savings: Top SR-22 Auto Insurance Discounts in New York
When it comes to SR-22 insurance in New York, many drivers are looking for ways to reduce their premiums while still maintaining the required coverage. With the right discounts, SR-22 insurance in New York doesn’t have to break the bank.
Auto Insurance Discounts From the Top Providers for SR-22 in New York
| Insurance Company | Available Discounts |
|---|---|
| Multi-policy, Anti-theft device, Early signing, New car, Defensive driving course, Good student |
| Loyalty, Multi-policy, Safe driver, Early bird, Defensive driving course, Good student |
| Safe driver, Multi-policy, Paid-in-full, Vehicle safety, Anti-theft, Continuous insurance |
| Good driver, Multi-policy, Signal (usage-based), Homeowner, Good student, Alternative fuel vehicle |
| Good driver, Multi-vehicle, Military, Defensive driving course, Good student, Anti-theft device, Seatbelt use |
| Multi-policy, Good student, Online purchase, Military, Early shopping, Anti-theft, New car |
| Multi-policy, Safe driver, Snapshot (usage-based), Continuous coverage, Homeowner, Online quote, Good student |
| Good driver, Multi-policy, Safe vehicle, Steer clear (young drivers), Drive Safe & Save, Defensive driving course |
| Defensive driving course, Bundling (home & auto), Vehicle recovery, Hybrid vehicle, Safe driver |
| Multi-policy, Safe driver, New car, Homeowner, Continuous coverage, Hybrid/electric vehicle, Good student |
Providers offer a range of ways to reduce your premiums, from good driver discounts to incentives for insuring multiple vehicles. Be sure to explore all the discount options available to you, and choose the policy that best fits your needs and budget.
Read More: Best Auto Insurance Discounts for a New Car
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
The Best Providers of SR-22 Insurance in New York
Looking for the cheapest SR-22 insurance in New York? Erie, Geico, and State Farm are the best options in The Empire State.
Don’t forget to check out different company rates and see what discounts you can get to find the best policy for you.Michelle Robbins LICENSED INSURANCE AGENT
What company has the cheapest SR-22? Each offers its own perks to fit different drivers’ needs, but Erie has the best price, starting at $25/month.
If you’re wondering, what is the best SR-22 insurance? State Farm offers great prices and solid customer service. For tech-savvy drivers who want to reduce their premiums based on how they drive, State Farm’s Drive Safe & Save program is a good option.
See how much you could save on New York SR-22 insurance coverage by entering your ZIP code into our free quote comparison tool below.
Frequently Asked Questions
Does USAA have SR-22 insurance in New York?
Yes, USAA offers SR-22 insurance in New York, but it’s available only to military members, veterans, and their families. If you meet USAA’s eligibility criteria, you can obtain SR-22 coverage through their services. Learn how in our USAA Insurance review.
How do I lower SR-22 insurance rates after an accident?
After an accident, you can lower your SR-22 insurance by improving your driving record, comparing quotes from different insurers, asking about discounts for safe vehicles or anti-theft devices, and taking a defensive driving course, which is a great way to show a commitment to safe driving and reduce premiums.
How much does SR-22 insurance cost in New York?
New York auto insurance costs vary depending on the provider, your driving history, and the level of coverage. On average, you can expect to pay between $25 to $48 per month for minimum coverage, with full coverage options ranging higher. For example, Erie offers minimum coverage starting at $25, while Farmers may charge up to $48.
How long does an SR-22 stay on your insurance in New York?
An SR-22 stays on your insurance policy for a minimum of three years in New York, although this period may vary depending on why you need an SR-22. If you fail to maintain the SR-22 filing during this time, your license may be suspended.
How do I file SR-22 auto insurance in New York?
To file for an SR-22 in New York, your insurance provider will need to submit proof to the New York Department of Motor Vehicles (DMV) that you carry the required minimum auto insurance coverage. This filing is typically required after certain violations, such as DUI or driving without insurance.
How much does your SR-22 insurance go up after a DUI in New York?
After a DUI conviction, your SR-22 insurance in New York will likely increase significantly. On average, drivers can expect their premiums to rise by 30% to 50% or more, depending on the severity of the offense and the insurance provider.
Read More: What is a DUI?
What is the new law about New York SR-22 car insurance?
As of recent updates, New York law requires SR-22 filings for drivers who have been convicted of serious driving offenses, such as DUI or driving without insurance. The state also mandates that drivers with an SR-22 must maintain continuous coverage for at least 3 years.
Can you register a car without SR-22 insurance in NY?
No, you cannot register a car in New York without the required insurance, including an SR-22 if necessary. If your driver’s license or registration has been suspended due to a driving violation, you must submit an SR-22 filing to the DMV before you can legally register your vehicle.
What is non-owner SR-22 auto insurance?
Non-owner SR-22 auto insurance is a type of insurance policy for individuals who do not own a vehicle but are still required to carry SR-22 coverage. This type of policy meets the state’s SR-22 filing requirement without the need to insure a specific car. It’s ideal for individuals who drive rental cars or borrow a vehicle occasionally but need to prove financial responsibility.
How do credit scores affect SR-22 car insurance?
Credit scores impact SR-22 insurance premiums, with lower scores often leading to higher rates, as insurers view drivers with poor credit as higher risk. Maintaining good credit can help reduce your SR-22 costs.
Don’t let expensive insurance rates hold you back. Enter your ZIP code below and shop for affordable premiums from the top companies.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
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.