SR-22 and State Commercial Automobile Insurance Plans (CAIP)
SR-22 and state commercial automobile insurance plans can be difficult to find. Many insurance companies can refuse to insure, or continue to insure, an individual driving commercially. Often, businesses will not hire individuals with an SR-22 that also need state commercial automobile insurance because they are simply too difficult to insure.
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UPDATED: Jun 29, 2021
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- It is possible to drive commercially if you have an SR-22
- Commercial auto insurance with an SR-22 may be tricky to find
- In most cases, the company hiring you will have to work out the insurance policy on your behalf
If you have ever been caught driving uninsured, driving with a suspended license, driving under the influence, or routinely disobeying traffic laws, you may have had to file an SR-22 form.
Knowing all you can about SR-22 and state commercial automobile insurance plans will make everything easier if you find yourself needing this type of insurance.
Your insurance company can easily file an SR-22 on your behalf, and you typically need one on file for anywhere from three to five years. Needing an SR-22 does not have to have a huge impact on your life.
Before learning more about SR-22 and state commercial automobile insurance plans, find affordable insurance quotes in your area by entering your ZIP code in our free tool above.
Can I get SR-22 commercial insurance?
If you’re in need of car insurance with an SR-22, you will likely be able to find countless companies that will offer you some type of coverage. You can take your time to shop around and compare rates to find the coverage and cost that works best for you.
But finding SR-22 coverage as a commercial driver will be much more difficult.
Typically, people find it very hard to get commercial car insurance after filing an SR-22 because insurance companies are insuring entire businesses — and are therefore potentially liable for much more — rather than individual people.
If you currently work for a trucking company or any other business that requires you to have your CDL, the company is responsible for insuring its vehicles, and it lists you as a named driver.
Once you have an SR-22 on file, the insurance company will likely want to know the reason for the SR-22. The issue is not the document itself but the infraction(s) that made the document necessary.
If you were given a DUI or DWI or were caught driving with a suspended license, it is very unlikely that an insurance company will want to insure you as a member of a trucking business.
This means you are likely to be suspended from your job, or that you will not be given a trucking job that you’ve applied for.
If you were issued an SR-22 because you neglected to pay child support, however, you may have a better chance of keeping your commercial driving job.
There are certain companies that specialize in insuring at-risk drivers, but these companies typically charge much more than the average cost of coverage. This is what will make it difficult for you to receive SR-22 commercial car insurance.
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Would it be easier to get non-owner SR-22 insurance?
Purchasing non-owner SR-22 car insurance is, in many ways, the same as purchasing SR-22 coverage for your own vehicle.
Non-owner SR-22 car insurance is an option if you drive to and from work and other functions and borrow someone else’s car to do so. You may even be able to purchase cheap SR-22 insurance.
But the minute you need commercial auto insurance coverage and have an SR-22 on file, non-owner coverage will not be all that helpful.
Having non-owner coverage may be required for a commercial driving career, as you will consistently be driving trucks that do not belong to you.
But SR-22 insurance without a vehicle will still be problematic, as any insurance company will want to know more about your infractions before they promise to be liable for your mistakes.
How much does commercial SR-22 insurance cost?
If you are able to find commercial insurance with an SR-22, you can expect to pay far more for coverage than a typical policy would cost.
Even with individual SR-22 coverage, rates can be up to 89% more than those for standard car insurance.
Still, your best option — both for commercial and personal car insurance policies — is to search online and see what options you have.
Now that you know more about SR-22 and state commercial automobile insurance plans, use our free tool below to search for insurance quotes today.