Cheapest SR-22 insurance in Rhode Island

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In Rhode Island, the cheapest SR-22 insurance options are offered by State Farm at $1,375 per year and Travelers at $1,617 per year. The cost of SR-22 insurance depends on your location, driving history, and insurance provider.

An SR-22 isn’t a type of insurance. It’s a certificate of financial responsibility that proves you meet your state’s minimum car insurance requirements. It’s often required after serious driving violations, such as a DUI, reckless driving, or driving without insurance. If you’ve been ordered to file an SR-22, you might be worried about the impact on your car insurance costs.

Unfortunately, having an SR-22 on your record usually leads to higher premiums, and some carriers won’t cover such drivers, so finding affordable options is essential.

Whether you’re looking for a budget-friendly policy or just trying to learn more about SR-22s, this guide has the information you need to get back on the road without breaking the bank.

What is an SR-22?

An SR-22 certificate of financial responsibility proves you have the minimum liability insurance coverage your state requires. If you’re considered a high-risk driver because of traffic violations, a DUI/DWI conviction, or other reasons, your state or a court might require you to get an SR-22. This is a certificate your insurance company files on your behalf with your state Department of Motor Vehicle (DMV).

An SR-22 isn’t a type of insurance, but it’s often required after serious offenses. Having an SR-22 can make your insurance more expensive, and not all insurers will cover you because you’re considered a high-risk driver.

Key Takeaways

SR-22 car insurance in Rhode Island costs $1,887, on average.
State Farm offers the cheapest SR-22 insurance policies in Rhode Island at $1,375 per year.
SR-22 insurance isn’t a separate policy, but a form your insurance company files to with the state DMV to prove you have the required minimum coverage.

Do I need to buy SR-22 insurance in Rhode Island?

As mentioned earlier, an SR-22 isn’t an insurance policy; it’s a form your insurance company files with your state’s DMV. This form informs the state that you still carry the minimum required insurance despite certain driving offenses on your record. The filing fee is generally inexpensive, though insurance with an SR-22 can be costly.

Examples of offenses that might require an SR-22:

DUI, DWI or other serious moving violations
Reckless driving
Accidents resulting in suspension or revocation
Accumulation of too many driving violation points
Driving without insurance

If you have any of these offenses on your record, you may need an SR-22. Once you buy an insurance plan that meets your state’s requirements, request your insurer to file the SR-22 form with the DMV.

You usually need to keep an SR-22 for at least three years. Failing to do so could lead to a license suspension.

Average SR-22 car insurance cost in Rhode Island

The average cost of SR-22 car insurance in Rhode Island is $1,887.

This is $872 higher than in New Hampshire, which has the cheapest SR-22 insurance.

However, it’s also $2,154 less expensive than in Michigan, the most expensive state for SR-22 insurance.

The cost of SR-22 insurance depends on several factors, such as why you need the SR-22, your driving history, and where you live.

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Cheapest SR-22 insurance companies in Rhode Island

Insurance rates usually increase if you have an SR-22. But not all insurance companies have the same rates for people with an SR-22. The companies listed below have some of the lowest rates available in Rhode Island.

Company	Average annual premium	Average monthly premium
State Farm	$1,375	$115
Travelers	$1,617	$135
GEICO	$1,681	$140
Nationwide	$1,940	$162
American Family	$2,030	$169
Progressive	$2,337	$195
Allstate	$2,973	$248
USAA*	$1,140	$95

*USAA is only available to military community members and their families.

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Cheap SR-22 insurance in Rhode Island by city

As mentioned earlier, where you live can also make a big difference in the cost of SR-22 insurance. Below, you’ll find the cheapest rates for SR-22 insurance for most cities in Rhode Island.

City	Average annual premium
Newport	$1,133
Bristol	$1,133
Shannock	$1,158
Hope	$1,158
Woonsocket	$1,440
Warwick	$1,504
East Providence	$1,505
Central Falls	$1,505
Pawtucket	$1,505
Providence	$1,534

SR-22 insurance requirements in Rhode Island

The Rhode Island DMV requires all drivers to meet the following minimum requirements for car insurance coverage:

$25,000 for injury/death per person
$50,000 for injury/death per accident
$25,000 for damage to property per accident

These are just the minimum requirements. Experts advise drivers to get more than the minimum insurance. It may lead to a higher premium, but the extra coverage could be well worth it.

How much does SR-22 in Rhode Island cost with a DUI?

Insurance companies differ in the premiums they charge for drivers with a DUI.

Note: In the table below, “filing only” refers to the cost of a policy, including the SR-22 filing fee, without factoring in the reason you need the SR-22.

Company	SR-22 with 1 DUI	SR-22 Filing only
State Farm	$1,375	$1,375
Travelers	$2,172	$1,617
Progressive	$2,975	$2,337
American Family	$3,072	$2,030
Nationwide	$3,605	$1,940
Allstate	$4,430	$2,973
GEICO	$5,656	$1,681
USAA*	$2,095	$1,140

*USAA is only available to military community members and their families.

How to get the cheapest SR-22 insurance in Rhode Island

If you have an SR-22 in Rhode Island, you might think you are doomed to pay inflated insurance rates. But just because you need an SR-22 doesn’t mean you’ll end up paying the highest rates.

First, shopping around is always a good idea. There can be an enormous difference in the rates you will get from different insurance companies. Some companies might even specialize in high-risk drivers and be able to offer you better SR-22 rates.

Another way to get the cheapest insurance with an SR-22 is to improve your driving record. Sure, that might be easier said than done, but it can be worth putting in the time if you want a better rate. You can get a quick win by taking a defensive driving course. Ask your insurer if they offer any of these courses and if they can help you qualify for a discount.

You can also ask about safe driving programs. These usage-based programs track your driving habits and may reward you with lower premiums for safe driving.

There are a few ways someone required to get SR-22 insurance can find the most affordable policy while still meeting all the legal requirements.

Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, Rhode Island, recommends the following:

Shopping around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.
Pay upfront: If possible, paying your premium in full rather than in monthly installments can sometimes result in lower overall costs.

Opt for non-owner insurance: If you don’t own a vehicle but want to maintain SR-22 coverage, non-owner car insurance can be a cost-effective option as it is typically 5% to 15% cheaper than a standard policy. Keep reading for more information on non-owner insurance options.

Non-owner SR-22 insurance in Rhode Island

Some states may require you to obtain an SR-22 even if you don’t own a car. This filing ensures you meet the state’s minimum liability coverage requirements, which is often necessary to reinstate your driver’s license after a suspension or revocation resulting from violations like a DUI or multiple traffic offenses.

Non-owner insurance policies are for individuals who don’t own a vehicle but must fulfill SR-22 requirements or want to maintain continuous coverage. This type of coverage provides liability protection when driving a car you don’t own and helps you meet state mandates for reinstating your license after violations such as a DUI or multiple traffic offenses.

It’s often a more affordable option than a standard policy since it only covers liability.

Read more about how non-owners car insurance works in Rhode Island

Who needs SR-22 insurance?

Remember, an SR-22 is not a separate insurance policy. It’s a certificate that proves to your state’s DMV that you have the required minimum insurance coverage.

For example, if you have a DUI, the state will require you to show that you have enough insurance to meet financial responsible.

Remember, not all driving offenses need an SR-22. You’ll be notified if you do. If you’re unsure, check with your local DMV office or a lawyer who specializes in traffic law.

How long do you need SR-22 insurance in Rhode Island?

You typically need to maintain an SR-22 for three years.

In some cases, the time you need to maintain an SR-22 could be longer or shorter. The length of the SR-22 period will depend on your driving history and how serious the offense is.

The bottom line on SR-22 in Rhode Island

Rhode Island’s average SR-22 insurance rate is $1,887, compared to the overall average car insurance cost in Rhode Island, which is $1,792. That means Rhode Island’s SR-22 rate is $94 more per year.

But remember that there are a lot of factors that can affect insurance premiums.

What our expert says

Q: How can you save on SR-22 insurance?

Sebastian HovCEO, 18 Insurance.

“Shop around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.”

Resources and Methodology

Sources:

Shouse Law Group. “SR22 Rhode Island.” Accessed January 2026.
Progressive Insurance. “What is an SR-22?” Accessed January 2026.

Methodology

Insure.com gathered rates from Quadrant Information Services for all states, including Washington, D.C. The rates are based on a sample driving profile of a 40-year-old male and female who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes. We analyzed 5,000,736 insurance quotes from 27 companies.

Bob Haegele

Contributing Researcher

Bob Haegele is a personal finance writer. He covers car insurance, health insurance and life insurance. While working in the corporate world he started a personal finance blog. He later left his corporate job and began freelance writing full-time. Since then, he has made it his mission to help people master their money. His work has been featured in Business Insider, Forbes Advisor, Bankrate, FinanceBuzz and others.