SR-22 and Rideshare Coverage: What to Know
If you are looking for SR-22 and rideshare coverage, it might be hard to get one type from your car insurance company, let alone both. Some companies offer affordable SR-22 and rideshare car insurance coverage. However, you might have to improve your driving record so you can have rideshare coverage later. Even so, both types of coverage may cost twice as much as traditional insurance.
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Written by
Elijah Black
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Reviewed by
Rachael Brennan
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UPDATED: Jul 1, 2021
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- You might not be able to have SR-22 and rideshare coverage at the same time
- Not all companies offer affordable SR-22 and rideshare car insurance coverage
- Always check your policy and talk to your car insurance agent to file an SR-22 and find out if and when you can add rideshare car insurance coverages
Are you looking for SR-22 and rideshare coverage? If you have one type of coverage, you might not be able to have the other at the same time.
If you recently had to file an SR-22 form, that means your driving privileges are limited. You will not have full driving privileges while your SR-22 is active. However, if you would like to work for a rideshare company, you need to have a clean record over a certain number of years.
Read on to learn more about SR-22 and rideshare car insurance coverage rates and why you might not be allowed to have both coverages at the same time.
It can be hard to find SR-22 and rideshare car insurance coverage regardless. Some of the top companies offer both, but having an SR-22 on your record could raise your car insurance rates. Enter your ZIP code above to start comparing affordable SR-22 insurance quotes from multiple local companies for free.
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How much do SR-22 and rideshare coverage cost?
If you are a driver with an SR-22 on your record, insurance companies will consider you high-risk. That comes with higher insurance rates. In general, you might expect to pay double the normal insurance rates, and in some states, you might have to pay your insurance in full every year instead of month-to-month.
Look at the chart below to see SR-22 insurance costs by state, including the states with the lowest SR-22 car insurance rates. (Data about annual expenditures comes from the Insurance Information Institute.)
| State | Annual SR-22 Car Insurance Rate | Annual 2018 Car Insurance Expenditure | Difference |
|---|---|---|---|
| Maine | $1,331 | $686.25 | $644.75 |
| Indiana | $1,561 | $767.72 | $793.28 |
| Virginia | $1,693 | $853.78 | $839.22 |
| Ohio | $1,700 | $794.91 | $905.09 |
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Compare those rates with states that have the highest SR-22 rates:
| State | Average Annual SR-22 Car Insurance Rate | Average 2018 Car Insurance Expenditure | Difference |
|---|---|---|---|
| Michigan | $8,324 | $1,469.73 | $6,854.27 |
| North Carolina | $5,563 | $734.06 | $4,828.94 |
| California | $5,119 | $1,034.05 | $4,084.95 |
| Hawaii | $4,464 | $829.15 | $3,634.85 |
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For a full comparison of SR-22 rates, please see the following read our advice on how to find cheap SR-22 insurance.
Unfortunately, not much data is available for rideshare coverage. Rideshare insurance can be as cheap as $10/mo or cost twice as much as a traditional car insurance policy.
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Can you buy SR-22 and rideshare car insurance coverage at the same time?
In short, the answer is no — at least not for the same person.
While your SR-22 is in effect, you will likely not be able to work for a rideshare company. That’s because rideshare companies, also called transportation network companies or TNCs, do background checks. They also do a DMV check to see your driving record.
To work for a TNC, your license needs to be active for the past year or so. You should have no driving infractions in the past three to seven years. (If you have an SR-22, that means that you have had driving violations in the past few years.)
Now, if someone else is on your policy and they work for a rideshare company, you might be able to add that coverage for them. But if you want to add that coverage for yourself, you may need to wait until your SR-22 expires.
When can you buy rideshare coverage after filing your SR-22?
Some car insurance companies reward their customers for maintaining a clean record and improving it over time with more coverages and savings. That might be a great time to expand your coverage.
Your car insurance company might allow you to add rideshare coverage for yourself after years of a clean record. Your SR-22 would have expired by then as well.
If you can work for a rideshare company after a few years, you will need car insurance coverage from more than one source. While the TNC offers coverage when a paying rider is in your car, you will need coverage from your regular car insurance company to fill in the gaps.
In the meantime, work on keeping your driving privileges and improving your driving habits by doing the following:
- Abide by all driving laws. Avoid speeding, driving while under the influence, distracted driving, and any parking violations.
- Become a defensive driver. Think about taking a defensive driving course, which can qualify you for discounts on your car insurance policy.
- Maintain continuous car insurance coverage. This is one requisite for keeping your driving privileges. Make sure you review your policy now and then to make sure you have adequate coverage and are complying with state laws.
Ultimately, you should talk to your car insurance agent. Find out when and if you can add rideshare coverage to your policy once your SR-22 probational period ends.
Now that you know more about SR-22 and rideshare car insurance coverage, start shopping around for the most affordable policy. Enter your ZIP code below to get free quotes from top car insurance companies in your area to find the cheapest SR-22 insurance near you.