Progressive Non-Owner SR-22: Rates, Availability, and Limits

Progressive offers non-owner SR-22 policies in 48 states, excluding New Hampshire and North Carolina where the company does not write non-owner coverage. The policy provides state-minimum liability coverage and includes the SR-22 certificate filing as an add-on, typically processed within 24–48 hours of policy purchase. Availability depends on your violation type and state filing requirements. Progressive accepts most standard SR-22 filing reasons — DUIs, license suspensions from lapses, excessive points, and court-ordered filings — but may decline applicants with recent at-fault accidents combined with SR-22 requirements in certain underwriting tiers. If you have multiple DUIs within three years or a suspended license combined with an at-fault accident in the past 12 months, expect underwriting review that may result in declination or referral to Progressive's non-standard affiliate. The non-owner policy includes liability-only coverage with no collision or comprehensive options, meaning it covers damages you cause to others but provides no protection for a vehicle you might borrow or rent. State minimum limits apply — typically $25,000/$50,000/$25,000 in bodily injury and property damage — though you can purchase higher limits if required by your state's reinstatement office or court order.

Non-owner SR-22 rates at Progressive vary based on the violation triggering your filing requirement, your state, and your driving history before the incident. A non-owner policy with SR-22 filing typically costs $30–$80 per month for drivers with a single lapse-related suspension, $60–$140/month for DUI filers, and $50–$110/month for license suspensions from excessive points. Progressive's SR-22 filing fee is $25 in most states, charged once at policy inception and again if you need to refile after a lapse. This fee is separate from your monthly premium. If your SR-22 lapses due to nonpayment or cancellation, Progressive files an SR-26 (cancellation notice) with your state DMV within 10 days, which typically triggers an immediate license re-suspension and requires you to restart your filing period from day one. Rate competitiveness shifts based on violation type. Progressive often quotes lower than competitors for lapse-related SR-22 filings but may price higher for DUI filers compared to specialists like The General or National General. Drivers with clean records aside from the SR-22 requirement — such as those needing proof of financial responsibility after letting coverage lapse — see the steepest discounts, while those with multiple violations or accidents within three years face surcharges that can double the base non-owner rate.

Progressive writes non-owner SR-22 policies in 48 states but declines coverage in New Hampshire, where SR-22 is not used, and North Carolina, where the company does not offer non-owner products. In California, Progressive requires applicants to complete a driver safety course before issuing non-owner SR-22 policies for DUI-related filings, adding 2–4 weeks to the approval timeline. Some states impose limits on non-owner SR-22 eligibility that affect Progressive's underwriting. Florida requires non-owner applicants to prove they do not own a vehicle registered in their name, verified through DMV records at the time of application. Virginia mandates higher liability limits for SR-22 filers — $25,000/$50,000/$20,000 minimum instead of the standard $25,000/$50,000/$25,000 — which increases monthly premiums by $10–$20 compared to standard non-owner rates. Progressive does not offer non-owner SR-22 policies to drivers with an active vehicle registration in their name, even if the vehicle is inoperable or uninsured. If you own a car, Progressive requires a standard SR-22 auto policy rather than a non-owner filing. This restriction applies in all states and is enforced during underwriting — Progressive cross-references your application against state DMV registration databases, and misrepresentation results in immediate policy cancellation without refund.

Progressive competes with national carriers like GEICO, State Farm, and The General, as well as regional non-standard insurers such as National General and Bristol West. For lapse-related SR-22 filings, Progressive typically quotes 15–25% lower than GEICO but 10–20% higher than The General. For DUI filers, Progressive's rates are mid-tier — higher than non-standard specialists but lower than standard carriers like State Farm that heavily surcharge high-risk drivers. GEICO offers non-owner SR-22 in 45 states and charges a $50 filing fee compared to Progressive's $25, but GEICO's base premium for DUI filers averages $70–$120/month, competitive with Progressive in most markets. The General writes non-owner SR-22 policies in 40 states with a $15 filing fee and monthly premiums starting at $25–$60 for lapse filers, making it the most affordable option for drivers with minimal violations beyond the SR-22 requirement. Progressive's advantage lies in digital accessibility and policy management. The company offers instant online quotes for non-owner SR-22 in most states, same-day SR-22 filing to the DMV, and a mobile app that tracks your filing status and sends renewal reminders 30 days before your SR-22 period ends. Competitors like Bristol West and National General require phone applications and manual SR-22 filing, which can delay certificate delivery by 5–10 business days and increase the risk of coverage gaps during reinstatement.

Progressive declines non-owner SR-22 applications in specific scenarios even if you meet basic eligibility. Drivers with two or more DUIs within the past five years are typically referred to Progressive's non-standard affiliate or declined outright in 22 states where the company enforces strict underwriting tiers for repeat offenders. If you have an at-fault accident causing injury or death combined with a DUI within three years, Progressive will not issue a non-owner policy in any state. License suspensions for refusal to submit to chemical testing (breath, blood, or urine) after a DUI arrest trigger declination in 14 states where Progressive treats refusals as equivalent to a second DUI for underwriting purposes. These states include Arizona, Georgia, Illinois, Indiana, Michigan, Ohio, Pennsylvania, Tennessee, Texas, and Wisconsin. In these markets, you will need to secure coverage through a non-standard carrier like The General, Acceptance Insurance, or a state-assigned risk pool. Progressive also declines applicants with active warrants, unpaid court fines related to the SR-22 requirement, or unresolved license suspensions from child support non-payment. The company verifies suspension status through state DMV databases at the time of application — if your license shows an active hold or restriction beyond the SR-22 requirement, Progressive will not bind coverage until you provide proof of resolution from the issuing court or agency.

Progressive offers online quotes for non-owner SR-22 policies in 42 states through its website and mobile app. You will need your driver's license number, the reason for your SR-22 requirement, your current license status, and the name of the court or DMV office that ordered the filing. The quote process takes 5–10 minutes and returns an instant premium estimate if you meet standard underwriting criteria. If Progressive's underwriting system flags your application — typically due to multiple violations, recent accidents, or out-of-state SR-22 requirements — you will be contacted by a licensed agent within 24 hours for additional documentation. This may include court orders, DMV reinstatement letters, or proof of completed driver improvement courses. Applications requiring manual review add 3–5 business days to the approval timeline, which can delay your SR-22 filing requirement and push back your license reinstatement date. Once approved, Progressive files your SR-22 certificate electronically with your state DMV within 24 hours in states that accept digital filings, or mails a paper certificate within 3–5 business days in states requiring physical forms. You receive a confirmation email with your SR-22 tracking number and the date Progressive submitted the filing. If you need proof of filing before your DMV processes the certificate, Progressive provides a digital SR-22 copy through your online account that most reinstatement offices accept as temporary proof during the 10-day processing window.