Is SR-22 insurance full coverage?
SR-22 insurance is full coverage as long as you are carrying an up-to-date full coverage car insurance policy. SR-22 forms aren't insurance policies but are proof that you have a policy in place, so you'll need both a comprehensive and a collision auto policy in order to file full coverage SR-22 insurance.
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UPDATED: Jun 3, 2021
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- SR-22 isn’t insurance coverage but a certificate that proves you have an insurance policy in place
- If you currently carry both comprehensive and collision policies, then your SR-22 insurance is full coverage
- Minimum liability SR-22 will have cheaper rates than full coverage SR-22 insurance
Is SR-22 insurance full coverage or liability? The answer to that depends on what kind of car insurance policy you carry. If you currently carry full coverage auto insurance, then your SR-22 insurance will also be full coverage.
Read our guide below to learn more about SR-22 insurance policies and where to find cheap SR-22 insurance in your state.
Ready to buy SR-22 insurance that’s full coverage? Enter your ZIP code above to get free SR-22 insurance quotes from local companies near you.
What is SR-22 insurance?
SR-22 insurance isn’t insurance coverage at all but rather a certificate that acts as proof of insurance. This proof is necessary if you want to drive again after you’re caught driving uninsured or otherwise lose your license.
If you carry a full coverage car insurance policy, then your SR-22 insurance will be full coverage. Most state laws only require drivers to carry minimum liability insurance to file an SR-22, but you may want to pay more for full coverage to guarantee you’re covered in an accident no matter who is at fault.
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How much does SR-22 insurance cost a month?
Since SR-22 isn’t insurance, it doesn’t have a monthly cost. Filing an SR-22 will cost you a $25 one-time fee, but having to carry SR-22 long-term can raise your monthly car insurance rates.
SR-22 insurance is considered non-standard, and most insurance companies charge more for drivers who are high-risk and need non-standard policies. If you choose full coverage SR-22 insurance over the minimum liability, you will also pay more.
Your monthly SR-22 insurance costs can vary depending on your age, driving record, and the state you live in. Comparison shop online with multiple companies to find the cheapest SR-22 car insurance rates.
Does SR-22 cover any car I drive?
Yes, an SR-22 will cover any car you drive. You must file for non-owner SR-22 insurance for coverage to apply to any vehicle you drive, and you will also need this kind of policy to get SR-22 without owning a car.
Non-owner SR-22 insurance is filed as either an operator’s or owner-operator’s certificate. Both cover any car you drive, but if you own a vehicle then you must carry an owner-operator’s SR-22 certificate.
Non-owner SR-22 insurance is full coverage too, as long as you are carrying a full coverage car insurance policy. Start shopping for affordable full coverage SR-22 insurance here with our free comparison tool below. Enter your ZIP code to get started.