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Will Progressive Requote You at Standard Rates After SR-22 Ends

Progressive Does Not Automatically Requote You When SR-22 Ends

Progressive will not automatically move you from a non-standard tier to a standard tier when your SR-22 filing period ends. Your policy continues at the rate tier assigned when the SR-22 was added unless you request a requote at your next renewal or shop other carriers. The filing requirement drops off your policy, but the underlying violation — DUI, at-fault accident, suspended license — remains on your motor vehicle record for 3–5 years in most states, and that record determines your tier and rate.

Progressive's underwriting system classifies drivers into tiers based on driving history, not just current filing status. When your SR-22 requirement ends, you remain in the tier assigned at the time of the violation until enough time passes for the violation to age out of the lookback window. For DUI violations, that window is typically 5 years. For at-fault accidents, 3–5 years depending on severity. Progressive will not move you to a lower-priced tier until your record qualifies.

The disconnect: many drivers assume the end of the SR-22 filing period signals the end of elevated rates. It does not. The filing was a proof-of-insurance certificate required by the state. The rate increase was triggered by the violation itself. Those two timelines do not align.

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When Progressive Will Requote You at a Lower Rate

Progressive requotes your policy at every renewal — typically every 6 or 12 months. At each renewal, underwriting pulls your current motor vehicle record and recalculates your rate based on the age of violations, new incidents, and changes to your profile. If your violation has aged enough to move you into a lower-risk tier, your rate drops at that renewal. If not, your rate stays in the same tier or increases if other risk factors changed.

The typical post-SR-22 rate recovery curve for a DUI violation on Progressive looks like this: 0–12 months after filing ends, rates stay in the high-risk tier — expect $180–$280/mo for full coverage. 12–24 months after filing ends, some drivers move to a mid-tier — rates drop to $140–$210/mo if no new incidents appear. 24–36 months after filing ends, most drivers qualify for standard tiers if the violation is 4–5 years old — rates reach $95–$150/mo. Beyond 36 months, rates approach clean-record pricing if no additional incidents occur.

You can accelerate this timeline by requesting a manual requote before your renewal date. Call Progressive's high-risk underwriting team and ask them to pull your current MVR and reassess your tier. If your violation recently crossed a key threshold — 3 years old, 5 years old, or outside their lookback window — they may move you to a lower tier immediately. Most drivers do not know this option exists and wait passively for renewal.

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Which Carriers Compete Harder for Post-SR-22 Drivers Right Now

Progressive writes more non-standard auto policies than any other national carrier, but that volume does not make them the cheapest option once your SR-22 ends. Post-SR-22 drivers shopping quotes see lower rates from GEICO, State Farm, and Nationwide in most states, especially 18–36 months after the filing requirement ends. These carriers price the post-SR-22 recovery phase more aggressively than Progressive because they want to capture drivers exiting the high-risk pool before they re-shop.

GEICO's post-SR-22 rates for drivers with a single DUI typically run $120–$190/mo for full coverage 24 months after filing ends. Progressive's equivalent rate for the same driver: $155–$230/mo. The gap narrows or reverses depending on your state, vehicle, and coverage limits, but GEICO consistently prices 10–20% below Progressive for drivers in the 2–4 year post-violation window.

State Farm and Nationwide use a different approach. Both carriers tier drivers more granularly than Progressive, meaning a 3-year-old DUI gets priced differently than a 4-year-old DUI. Progressive lumps both into the same tier until the violation ages out entirely. If your violation is close to a key age threshold, State Farm and Nationwide will requote you at a lower rate before Progressive does. Always shop at least three carriers when your SR-22 ends — the carrier that wrote your SR-22 policy is rarely the cheapest option 24 months later.

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Shop Again Now That Your Filing Has Ended

Compare Rates After SR-22

What You Should Do the Month Your SR-22 Filing Ends

The month your SR-22 filing ends is the best time to shop. Your driving record is as clean as it will be until the violation ages off entirely, and carriers know you are no longer required to file SR-22, which signals you are moving out of the highest-risk tier. Run quotes from at least three carriers the same week your filing ends. Compare the quoted rate to your current Progressive rate. If another carrier offers a rate 15% lower or more, switch immediately.

Before you shop, confirm your state DMV shows the SR-22 requirement as satisfied. Some states take 2–4 weeks to update their system after your filing period ends. If the DMV system still shows an active SR-22 requirement, carriers will quote you at SR-22 rates even though your requirement technically ended. Call your state DMV or check their online portal to verify your status shows clear before requesting quotes.

Do not cancel your Progressive policy until your new policy is active. If you create a coverage gap — even one day — most states will reinstate your SR-22 requirement and reset your filing clock to zero. Bind your new policy with an effective date that matches or precedes your Progressive cancellation date. Most carriers will backdate a policy by 1–3 days to prevent a gap if you are switching at renewal.

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How Long Until You Reach Fully Standard Rates

Most drivers with a single DUI or at-fault accident reach fully standard rates 5–7 years after the violation date, assuming no additional incidents occur during that window. Progressive's underwriting lookback for DUI is 5 years in most states. Once your violation ages past that threshold, Progressive requotes you at standard rates at your next renewal. Until then, you remain in a surcharged tier.

The timeline varies by violation type. A DUI typically carries a 5-year surcharge window. An at-fault accident with injury: 5 years. An at-fault accident without injury: 3 years. A suspended license due to points accumulation: 3 years from reinstatement. SR-22 filing itself does not have a separate surcharge window — the surcharge is tied to the underlying violation that triggered the filing requirement.

Your state's DMV determines how long violations stay on your motor vehicle record, not the carrier. Progressive pulls your MVR at every renewal and prices based on what appears. If your state purges the violation from your record after 3 years, Progressive will not see it and will price you as a clean driver. If your state keeps violations on record for 10 years, Progressive will continue surcharging you until their internal lookback window expires — whichever comes first.

Frequently Asked Questions

Does Progressive notify you when you qualify for a lower rate after SR-22?

Progressive does not proactively notify you when you qualify for a lower rate tier. Your rate is recalculated at each renewal based on your current driving record, but you will not receive a letter or email telling you that you now qualify for standard pricing. You must request a manual requote or shop other carriers to confirm your current rate is competitive.

How much do Progressive rates drop after SR-22 ends?

Progressive rates typically drop 15–30% in the first 12–24 months after your SR-22 filing ends, assuming no new violations occur. A driver paying $220/mo for full coverage during the SR-22 period might see rates drop to $170–$190/mo once the filing requirement ends. Full standard pricing — matching clean-record drivers — typically requires 4–5 years from the violation date.

Can I switch from Progressive to another carrier immediately after SR-22 ends?

Yes, you can switch carriers as soon as your SR-22 filing period ends and your state DMV shows the requirement as satisfied. Bind your new policy with an effective date that prevents any coverage gap — even one day without insurance can reinstate your SR-22 requirement in most states. Most carriers allow you to backdate a new policy by 1–3 days to ensure continuous coverage during the switch.

Will my Progressive rate increase if I request a requote?

Requesting a requote from Progressive will not increase your rate unless new violations or incidents appear on your motor vehicle record since your last renewal. If your record improved — a violation aged past a key threshold, points dropped off — your rate will decrease. If nothing changed, your rate stays the same. Progressive cannot raise your rate mid-term solely because you requested a requote.