Can high-risk drivers get an SR-22 through Esurance?

Yes. Esurance includes SR-22 filings in your policy, submitting them electronically to your state DMV for a standard fee.

How can I lower premiums as a high-risk driver?

You can raise deductibles, bundle home and auto policies, maintain continuous coverage, and complete defensive driving courses to reduce rates over time.

Is online quoting better than using an agent for high-risk drivers?

Online quoting offers transparent, instant pricing and self-service adjustments—often faster and less stressful for high-risk profiles compared to traditional agents.

How to Get an Esurance Quote for High-Risk Drivers

Even with violations or accidents on your record, you can still find competitive rates. Esurance’s online quote tool immediately reflects high-risk factors and shows you real-time premium options. Pro tip: run a quick trial quote with basic liability first, then add SR-22 and optional coverages one by one to see exactly how each affects your cost.

Want to know more about what Esurance covers? Check the full Esurance coverage options for a breakdown of available protections and add-ons, including roadside assistance, uninsured motorist, and more.

Get Your High-Risk Quote

See personalized rates for high-risk drivers in seconds.

Who Qualifies as High-Risk?

High-risk drivers include those with recent DUI/DWI, multiple at-fault accidents, lapses in coverage, or excessive tickets. Esurance factors in your record, age, vehicle, ZIP code, and credit to tailor your quote.

Even if you’ve paid off your car, you might opt for minimal collision/comprehensive and focus on liability and SR-22 to control costs.

SR-22 Filings Made Simple

When your state requires an SR-22, Esurance can include the filing (fees $15–$25) in your policy and submit it electronically to your DMV. No extra visits needed.

Compare with Allstate’s SR-22 process to see which option works best for you.

Money-Saving Strategies

High-risk premiums are higher, but you can still reduce costs: raise your deductible, bundle home and auto, maintain continuous coverage, or complete a defensive driving course.

Over time, clearing violations from your record fast is the single best way to qualify for standard rates again.

Is Esurance Right for You?

Esurance’s digital platform gives you instant visibility into high-risk pricing—no agent call-backs, no paper forms. You can tweak coverages live and bind your policy online or via carrier hotline.

Many high-risk drivers find convenient self-service and transparent pricing a big advantage over traditional brokers. Still researching? Visit Esurance Insurance Quotes to explore standard coverage, bundled discounts, and customer reviews from other drivers like you.

Compare Other High-Risk Options

Don’t stop at one quote. Check Progressive high-risk quotes and The General’s to spot the best deal. Bundling home or renters with auto on ZIP code lookup can uncover extra savings.

If you have multiple high-value assets, explore multi-policy discounts or usage-based programs like DriveSense® for additional cuts.

Start Your Quote Today

Enter your ZIP code above, answer a few quick questions about your record, and get a tailored Esurance quote for high-risk drivers—no obligation.

Consistent coverage and smart adjustments (e.g. raising deductibles) pave the way back to standard rates. Esurance’s easy dashboard keeps you in control of both price and protection.