Progressive doesn’t publish a specific SR-22 fee. It says it includes the filing fee in your cost for each policy term, and that in some states you pay the fee up front. Progressive’s SR-22 guide cites an outside estimate, from U.S. News & World Report, that filing costs about $25, and notes that the cost varies by state and insurer.
The fee is usually the smaller part of the cost. The violation that led to the SR-22 is what tends to push your premium up.
Key Takeaways
- Progressive includes the SR-22 filing fee in your cost for each policy term, and some states collect it up front. It doesn’t publish the dollar amount.
- You typically pay the fee again each policy term for as long as your state requires the SR-22.
- Progressive files SR-22s for new and current customers, usually electronically right after purchase. It also handles FR-44 filings in Florida and Virginia and SR-22s on non-owner policies.
- The SR-22 doesn’t come off automatically. Keep the policy active for the full required period, then ask Progressive to remove the filing.
What Progressive Says About the SR-22 Fee
Here’s Progressive’s explanation, in its own words: “In some states, you pay the filing fee up front. Progressive includes the SR-22 filing fee in your cost for each policy term. You typically pay the filing fee for each policy term while the SR-22 is required.”
So instead of a one-time charge, expect the fee to be built into each renewal while the SR-22 is on your policy. Other insurers handle it differently. Allstate describes a typical one-time fee of $15 to $50, GEICO charges a fee for each SR-22 it files without publishing the amount, and Dairyland says it most often files for free. RateFrog’s guides to GEICO SR-22 costs and Allstate SR-22 costs go into detail.
How an SR-22 Affects Your Progressive Rate
The form itself isn’t the main cost driver. Progressive says, “Insurers often classify SR-22 drivers as riskier to insure, so your rate could increase.” That increase comes from the record behind the SR-22, such as a DUI, driving uninsured or repeated violations, and it can easily outweigh the filing fee.
Because insurers weigh these records differently, it’s worth getting quotes from several companies that file SR-22s, using the same liability limits for each. You can compare car insurance quotes through RateFrog.
How to Get an SR-22 From Progressive
- Call or log in. Progressive says current and new customers can call 1-866-749-7436, or log in online or use the app to get an SR-22.
- Buy or update your policy. For new customers in most states, Progressive says it “electronically files your SR-22 form with the department of motor vehicles” right after you buy the policy. In certain states, it files by mail.
- Confirm the state received it. The state’s processing can take longer than the insurer’s filing, so leave time before any deadline.
FR-44 Filings in Florida and Virginia
Progressive also files the FR-44, which it says is “used only in Florida and Virginia and generally required only for people with severe driving offenses.” The FR-44 requires higher liability limits than an SR-22:
| State | Minimum FR-44 liability limits |
|---|---|
| Florida | $100,000 per person and $300,000 per crash for injuries, plus $50,000 for property damage |
| Virginia | Double Virginia’s minimums. With the current minimums in section 46.2-472, that’s $100,000 / $200,000 / $50,000. |
Progressive’s FR-44 page still lists older Virginia figures, so confirm the current limits with Progressive when it files.
Non-Owner SR-22 Policies at Progressive
If you need an SR-22 but don’t own a car, Progressive says you can buy a non-owner policy, and that it “can provide an SR-22 quickly and easily for your non-owners insurance policy.” The same phone number, 1-866-749-7436, handles these filings. RateFrog’s non-owner car insurance guide explains what that kind of policy covers.
How Long You’ll Pay for the SR-22
Progressive says many states require drivers to keep an SR-22 on file for at least three years, and some require longer. Some require less: Texas generally requires two years, and Ohio requires one year for noncompliance offenses added on or after April 9, 2025. RateFrog’s SR-22 guide lists the rules for 14 states. Your DMV can confirm your exact end date.
Removing the SR-22 or Letting It Lapse
When your requirement ends, you have to take the next step. Progressive says, “Your insurance policy won’t automatically remove the SR-22 when it’s no longer needed. You must contact your insurance company to remove the SR-22 from your policy.”
Don’t cancel early. Progressive warns that if your policy “is canceled or lapses while you carry an SR-22, your insurance company notifies the DMV, which suspends your license.” If you switch insurers, have the new company file its SR-22 before your Progressive policy ends.
Frequently Asked Questions
Does Progressive Charge the SR-22 Fee Every Policy Term?
Typically, yes. Progressive says you typically pay the filing fee for each policy term while the SR-22 is required, and it includes the fee in your cost for that term. In some states, the fee is collected up front.
How Fast Can Progressive File an SR-22?
For new customers in most states, Progressive says it files electronically as soon as you buy the policy. In certain states, it files by mail, which takes longer. The state may also need time to process the filing.
Can Progressive File an FR-44?
Yes. Progressive says it can help current and new customers submit an FR-44, which is used only in Florida and Virginia. Call 1-866-749-7436 to start.
Will Progressive Remove My SR-22 When I’m Done?
Not automatically. Progressive says you must contact it to remove the SR-22. Check your end date with your DMV first, since canceling too early can lead to a license suspension.