Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Jun 3, 2021

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Don't Forget These Facts

  • Drivers who can’t find SR-22 insurance can go through their local DMV (sometimes called BMV) to get coverage
  • Auto insurance companies can deny your SR-22 insurance request if you have too many driving violations
  • There’s a $25 filing fee for SR-22 insurance

Do you need to carry SR-22 insurance after an accident? Auto insurance companies can deny your policy request if you have too many driving violations.

Now you may be wondering: What if I can’t find SR-22 auto coverage?

Don’t worry – your local DMV can help you secure non-standard insurance coverage. This guide explains how you can get insured when you can’t find SR-22 auto insurance and how to get cheap SR-22 insurance.

Continue reading if you can’t find SR-22 auto insurance coverage and need a solution to get auto insurance right away. Enter your ZIP code in the free online quote tool above.

What if I can’t find SR-22 auto coverage?

If you can’t find SR-22 auto insurance coverage by shopping around, you can go to your local DMV for help.

Go to the DMV or BMV to get auto insurance if you can’t find auto insurance coverage through the individual market adter 60 days.

By law, you’re required to have auto insurance. Fortunately, the DMV of your state has a state-assigned risk pool. The risk pool is essentially several car insurance companies that insure high-risk drivers (i.e., drivers who need SR-22 insurance).

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How do you get an SR-22 insurance form?

When a company denies you coverage, you’ll have to get an SR-22 form from the DMV or BMV.

SR-22 insurance is a certification that says a high-risk driver has the minimum auto insurance requirements.

You’ll pay a filing fee that’s around $25, fill out an SR-22 form, and the DMV will locate an auto insurance company to insure you.

How much are SR-22 auto insurance rates?

SR-22 insurance costs vary for each state. Let’s compare the average annual rates of each state and compare them to annual SR-22 insurance rates.

States with the Highest SR-22 Insurance Costs
StateAverage Annual SR-22 Car Insurance RateAverage 2018 Car Insurance ExpenditureDifference
North Carolina$5,563$734.06$4,828.94
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These sample rates are averages and are subject to change when you factor in the company, your age, driving record, credit history, gender, and even marital status.

How long does SR-22 insurance last?

SR-22 lasts for three years. The three-year period is the same amount of time auto insurance companies look back at your driving record.

If you can minimize your traffic violations and accidents to zero, your high-risk status may be removed.

How to Get SR-22 Removed

SR-22 insurance lasts for three years. If auto insurance companies consider you a low-risk driver after three years, you won’t need SR-22 insurance anymore.

However, drivers who are still regarded as high risk after three years have to reapply for SR-22. The best way to remove your SR-22 insurance is to avoid high-risk driving situations for three to five years.

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What if I need SR-50 or FR-44 insurance?

SR-50 insurance is Indiana’s version of SR-22 insurance. The same rules apply. Go to the BMV of Indiana and let them know you can’t find coverage through the voluntary market. They should be able to connect you to a car insurance company from the risk pool.

FR-44 insurance is only needed in Florida and Virginia. It requires a driver to have twice as much on their minimum coverage limit. Motorists in Florida and Virginia can go through their local DMVs to sign up and get coverage.

Can you get non-owner SR-22 auto insurance?

The answer is yes. Non-owner SR-22 insurance is required when a driver needs SR-22 but operates a vehicle they don’t own.

Non-owner car insurance will increase your rates when you buy SR-22 insurance coverage, but it’s better than not being insured.

What if I can’t find SR-22 auto coverage?

If you can’t find SR-22 insurance through the individual market, you can go to your local DMV and get auto insurance coverage.

Don’t give up. If you can’t find SR-22 auto coverage, keep shopping around until you find what you need. Start searching for the most affordable SR-22 auto insurance coverage near you with our free comparison tool below.