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SR-22 Insurance Overview
If you have had your license suspended or been labeled a high-risk driver by your state, you may be required to obtain SR-22 insurance. It may seem confusing at first, but there is no need to panic.
There are several reasons why you may be required to obtain an SR-22. These include:
- Drunk driving and getting a DUI (Driving Under the Influence) or DWI (Driving While Intoxicated) due to drugs or alcohol
- Being found at-fault in a car wreck without having proof of insurance
- Driving without at least the minimum required insurance for your state
- Caught repeatedly with moving violations or other offenses within a relatively short period of time
Requirements for SR-22s are different depending on where you live. The state determines how long the SR-22 must be maintained, but it’s usually three years.
During this time, you must carry liability coverage on your vehicle at all times. If your coverage lapses, your auto insurance company is required by law to notify the DMV of the state you live in. If this happens, your license can be suspended, and you’ll have to pay a reinstatement fee along with any other fines you might own.
And there are different types of SR-22s.
- An operator’s certificate: covers a non-owner motorist who operates a vehicle
- An owner’s certificate covers any cars a driver owns and operates.
- An operators-owners certificate covers vehicles operated by the owner as well as those owned by other drivers in the household.
So, while it may not be fun to deal with, we’re here to help you find what you need to know. This resource was developed to help you navigate the process and get you back on the road as quickly and affordably as possible.
SR-22 Insurance Quotes
How do I find the best quotes?
As with any type of insurance, comparing policies offered by various carriers is the best way to ensure you find the best policy to meet your needs. With just a click of your mouse, you can compare quotes from major insurance carriers that will file your SR-22 form. We do the legwork for you so that you can find the most affordable SR-22 insurance quotes possible.
SR-22 Insurance Cost
How much does it cost?
The primary question on many driver’s minds when faced with mandated SR-22 insurance is the cost factor. Accidents, DUIs and license suspensions will greatly impact your insurance rate regardless of your need for a SR22. It is impacted by several factors in addition to your driving history, including your risk status, driving habits and even your credit score. To learn more about the costs – click here.
Non Owner SR-22 Insurance
Why do I need non owner insurance?
To have your license reinstated after it has been revoked in some states, you may be required to file a SR-22 form regardless of whether you own a vehicle or not. This helps the state ensure that any time you get behind the wheel of a vehicle you are covered by the state’s minimum liability insurance requirements. Non owner SR-22 insurance is a common requirement in most states. Find out if your state requires it.
Who is responsible for filing it?
It is your responsibility to find an insurance provider that is willing to handle a SR-22 form, and to maintain your insurance policy with that insurer. The insurance provider you choose will file the SR-22 form on your behalf with your state’s Department of Motor Vehicles, or DMV. If you lapse in your insurance, the insurance provider will notify the DMV, resulting in harsh penalties. Learn more about your responsibilities here.
SR-22 Insurance State Guide
What are my state requirements?
If you need SR-22 insurance, it is very important to be sure and check your states requirements. Every state has different rules and regulations. Our SR-22 insurance state guide will give you all the information you need to make sure you are in compliance with your states rules and help you avoid potential fines and penalties.
What Is SR-22 Insurance?
Is it an insurance policy or a form?
Are you asking yourself, what is SR-22 insurance? It is not actually an insurance policy. Rather, it is a form that your state may require you to file to prove that you have the minimum amount of insurance required by law. Your insurance provider will file the SR-22 form, which is a document that shows you maintain the properly levels of insurance required by your state.
Cheap SR-22 Insurance
Is it possible to find cheap insurance?
Generally, it is not the fact that you need a SR-22 form that makes finding cheap SR-22 insurance a difficult process. In reality, it’s the high-risk status that made your state require you file a SR-22 form that carries the high price tag. Filing is required after a license is revoked, a DUI charge or numerous points accrued on your driving record.
What is it and do I need one?
If you need SR-22 insurance, there is strong chance that you will also need to get an SR-22 bond. Not every state requires you to obtain one. But the penalties for not providing a bond if your state requires it can be very steep. Find out more about your SR-22 bond insurance and save yourself potential trouble and fines.
What do I need to know?
While you may be required to obtain an SR-22 by court order, you are not responsible for the filing. The insurance provider that you choose to do business with will file the SR-22 form on your behalf. But it is a very good idea to double check with your insurance provider to make sure that your SR-22 filing has gone through. The consequences of the filing not going through can be quite severe. Learn what steps to take to make sure your form has been filed.
SR-22 Insurance FAQ’s
Answers to many of your questions
Get answers to a wide arrange of questions that you have been looking for answers. Click here for more information.