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.
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Daniel Walker
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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...
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UPDATED: Nov 27, 2024
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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 27, 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.
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17,759 reviewsErie, Geico, and State Farm offer the cheapest SR-22 insurance in New York, with premiums starting at $25/month.
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 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
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#1 – Erie: Best SR-22 Insurance Provider in New York
Pros
- Expertise in SR-22 Filing: Erie provides extensive knowledge of New York’s SR-22 requirements, offering reliable service for just $25/month.
- Flexible Payment Options: SR-22 drivers in New York can benefit from various payment methods, including paid-in-full discounts on minimum coverage.
- Strong Regional Support: Erie provides help with SR-22 filing and claims in New York, making things easier for customers.
Cons
- Limited Coverage Areas: Erie’s SR-22 coverage is available only in select regions of New York.
- Digital Services: Erie’s digital tools for managing SR-22 policies in New York are somewhat limited and less user-friendly compared to others.
#2 – Geico: Cheapest SR-22 Insurance with Excellent Online Service
Pros
- Efficient SR-22 Filing Process: Geico’s quick and simple online system for SR-22 filings makes it easier for New York drivers to get insured at a minimum rate of $28/month.
- Military Discounts: Special SR-22 discounts for New York service members below standard rates (Read More: Best Geico Auto Insurance Discounts).
- Advanced Digital Features: Geico’s well-developed app simplifies SR-22 policy management and document submission for New York drivers.
Cons
- Limited Personal Assistance: The company’s SR-22 service in New York doesn’t have much in-person customer support, which might not work for everyone.
- Poor Claims Service: The SR-22 insurance claims service provided by Geico in New York lacks quality.
#3 – State Farm: Cheapest SR-22 Insurance with Usage-Based Pricing
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 Discounts: Combining multiple policies with State Farm can help New York drivers save on their SR-22 insurance coverage.
- Young Driver Savings: State Farm offers specific SR-22 discounts for younger drivers in New York, making insurance more affordable.
Cons
- Agent-Dependent Process: SR-22 filing in New York requires local agent involvement, which may cause delays in policy activation.
- Lower Financial Ratings: State Farm’s A.M. Best rating is lower than other New York Sr-22 insurance companies.
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#4 – Liberty Mutual: Cheapest SR-22 Insurance with Discounts
Pros
- Military and Early Shopping Discounts: Liberty Mutual provides SR-22 discounts in New York for military members and those who purchase policies early, reducing the rate to $35/month.
- Safety Feature Discounts: Drivers in New York who install anti-theft or safety devices can enjoy premium discounts on their SR-22 coverage.
- Wide Range of Discounts: Liberty Mutual offers several SR-22 insurance discounts that help lower overall premiums for New York drivers.
Cons
- High Full-Coverage Costs: The cost of full-coverage SR-22 insurance with Liberty Mutual in New York can be high, reaching $140/month. Compare quotes in our Liberty Mutual auto insurance review.
- Complex Discount Requirements: To be eligible for the SR-22 discount offered by Liberty Mutual in New York, several criteria must be met.
#5 – The Hartford: SR-22 Insurance for Specialized Coverage
Pros
- Eco-Friendly Vehicle Discounts: The Hartford is among the best eco-friendly auto insurance companies with unique NY SR-22 discounts for eco-friendly vehicles.
- Bundling Savings: New York drivers who bundle their SR-22 insurance with home insurance can enjoy significant savings.
- Tracking System Benefits: The Hartford provides a vehicle tracking system for SR-22 drivers, which can further reduce insurance premiums in New York.
Cons
- Age Limitations: Younger drivers in New York may not be eligible for SR-22 insurance coverage through The Hartford.
- Strict Qualification Process: The Hartford has pretty strict rules for SR-22 drivers in New York, which might slow things down for some policyholders.
#6 – American Family: Cheapest SR-22 Insurance with Loyalty Programs
Pros
- Loyalty Rewards: American Family rewards long-term SR-22 drivers in New York with lower premiums after continuous coverage, starting at $39/month.
- Early Enrollment Discounts: Drivers in New York who enroll in SR-22 insurance early can access additional savings.
- Clean Driving Record Benefits: New York drivers with a clean record may see reduced SR-22 rates with American Family. Learn how auto insurance companies check driving records to avail of the discount.
Cons
- Limited Availability: Not all areas in New York are eligible for American Family’s advertised SR-22 rates.
- Strict Eligibility for Loyalty Discounts: To qualify for the best SR-22 discounts in New York, drivers must meet specific criteria related to loyalty and coverage history.
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#7 – Progressive: Cheapest SR-22 Insurance with Online Quote Benefits
Pros
- Digital Enrollment Discounts: Progressive offers a discount for New York drivers who sign up for SR-22 coverage online, starting at $42/month.
- Snapshot Program: Drivers can reduce SR-22 premiums in New York through Progressive’s Snapshot program, which adjusts rates based on actual driving behavior.
- Long-Term Coverage Rewards: As mentioned in our Progressive SR-22 insurance review, New York SR-22 drivers who maintain continuous coverage are eligible for reduced rates.
Cons
- Premium Fluctuations: New York SR-22 premiums may increase depending on the driver’s habits monitored via the Snapshot program.
- Device Requirements: In order to engage in Progressive’s usage-based SR-22 program, drivers residing in New York are required to install a tracking device in their vehicles.
#8 – Travelers: Cheapest SR-22 Insurance for Multi-Vehicle Policies
Pros
- Multi-Vehicle Discounts: Our Travelers auto insurance review mentioned that the company offers SR-22 savings for New York drivers with multiple vehicles, perfect for multi-car households.
- Eco-Friendly Vehicle Incentives: New York SR-22 drivers with hybrid or electric vehicles can access special discounts through Travelers.
- Student Driver Discount: Travelers provides SR-22 savings for New York students with good academic performance
Cons
- Extensive Documentation Requirements: Travelers requires significant verification for SR-22 discount eligibility in New York, which can slow down the process.
- Limited Vehicle Types Covered: Some vehicles may not be eligible for SR-22 coverage through Travelers in New York.
#9 – Allstate: Cheapest SR-22 Insurance with Bundle Savings
Pros
- Bundle Discounts: New York drivers can lower their SR-22 insurance premiums to under $45/month by bundling auto insurance with home or other policies.
- Early Filing Rewards: SR-22 drivers in New York can save by registering insurance early, unlocking discounts to lower premiums.
- Education Benefits: Why should you take a defensive driving class? Allstate offers NY SR-22 discounts for completing approved safety courses.
Cons
- Limited Coverage Options: New York drivers may not have access to all of Allstate’s SR-22 coverage options, especially in certain rural areas.
- Higher Standard Rates: New York drivers may find Allstate’s base SR-22 rates higher compared to some competitors.
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#10 – Farmers: Cheapest Customizable Policies
Pros
- Alternative Fuel Discounts: Farmers offers special SR-22 insurance savings in New York for eco-friendly vehicles, with discounts starting at $48 per month.
- Signal Program for Savings: Farmers’ Signal program lets SR-22 drivers in New York save by tracking safe driving habits via mobile (Read More: Cheap Usage-Based Auto Insurance).
- Coverage Flexibility: Farmers lets you customize your SR-22 policy, so New York drivers can choose coverage that fits their needs, whether they want just the basics or full protection.
Cons
- Higher Premiums: Farmers has one of the highest base rates for New York SR-22 minimum coverage, which may not be the most affordable option for some drivers.
- Complex Customization Process: Farmers’ SR-22 policy customization in New York involves multiple steps, which may be more cumbersome compared to other providers.
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 a good idea to check prices from different companies to get the best deal.
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 must 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 online filing processes.
New York SR-22 Insurance: Claims and Accident Report
Auto insurance claims and premiums vary widely among New York drivers and follow distinct patterns throughout the state. The most common (35%) and costly (average cost of $3,500 per claim) collision claims are followed by the most costly with an average cost of $4,200 each (25%) liability claims.
5 Most Common Auto Insurance Claims in New York
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Collision Claims | 35% | $3,500 |
| Comprehensive Claims | 20% | $2,700 |
| Liability Claims | 25% | $4,200 |
| Uninsured Motorist Claims | 10% | $5,100 |
| Medical Payment Claims | 10% | $1,900 |
As expected, New York City has the most accidents and claims annually due to its large population and heavy traffic. On the flip side, affordability is a problem, with premiums regarded as competitive but not the cheapest in the region.
New York Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Albany | 900 | 850 |
| Buffalo | 3,500 | 3,200 |
| New York City | 15,000 | 14,000 |
| Rochester | 2,800 | 2,500 |
| Syracuse | 1,200 | 1,100 |
It’s essential for those hoping to save to explore discounts. Multi-policy discounts (up to 15%) and safe driver discounts (10%) are high-impact options.
New York Report Card: Auto Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Multi-Policy | A+ | 15% | Geico, Allstate, State Farm |
| Safe Driver | A | 10% | Progressive, Nationwide |
| Good Student | B+ | 5% | USAA, Liberty Mutual |
| Defensive Driving Course | B | 7% | Allstate, Farmers |
| Anti-Theft Device | B- | 6% | Geico, Progressive |
Another effective strategy is to learn how to get a defensive driver auto insurance discount since taking the course lowers rates by 7%. Major insurers Geico, Allstate, and Progressive all support these savings opportunities.
New York Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Customer Satisfaction | A+ | High satisfaction with customer support |
| Claims Processing | A | Efficient and timely claims management |
| Coverage Options | A- | Comprehensive range of coverage plans |
| Affordability | B+ | Rates are competitive within the region |
| Financial Stability | B | Insurers are financially reliable and secure |
New York drivers can count on good quality coverage and affordable prices, especially when seeking specialized needs like SR-22 insurance because discounts are combined with the state’s focus on financial stability and timely claims processing.
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Maximize Your Savings: Top SR-22 Auto Insurance Discounts in New York
Many drivers are looking for ways to reduce their premiums while still maintaining the required coverage for SR-22 insurance in New York. 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 various ways to reduce premiums, from good driver discounts to incentives for insuring multiple vehicles. Be sure to explore all the discount options available and choose the policy that best fits your needs and budget.
Read More: Best Auto Insurance Discounts for a New Car
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.
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.
Explore your auto insurance options by entering your ZIP code into our free comparison tool today.
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 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.
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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.