SR-22 and Suspended License Coverage: What to Know
SR-22 and suspended license coverage may help get your license reinstated. An SR-22 form proves financial responsibility and that you meet your state's minimum insurance requirements. However, SR-22 and suspended license auto insurance rates are generally higher than average. Other options for reinstating your license may include a restricted or conditional license.
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UPDATED: Jul 8, 2021
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- An SR-22 form proves you meet your state’s minimum insurance requirements
- SR-22s are typically required for drivers who have committed certain traffic violations
- SR-22s may be required to reinstate a suspended license, but you may also be eligible for a restricted or conditional license
- SR-22 auto insurance rates are likely to be higher than average
If you’ve had a DUI/DWI, multiple tickets, or other traffic violations, you may find yourself with a suspended license. You may need to buy SR-22 and suspended license coverage to get your license reinstated.
What is SR-22 insurance? A certificate to prove the driver has taken actions to secure high risk auto insurance. Read more about SR-22 insurance, suspended license coverage, and how to get your license reinstated below.
Enter your ZIP code into our free quote comparison tool above to compare SR-22 and suspended license auto insurance quotes.
What is SR-22 insurance?
SR-22 is not actually a type of insurance. What is an SR-22 form? A document that proves financial responsibility and that you meet the state’s minimum insurance requirements. They are used for drivers who have committed certain traffic violations.
Depending on your violations, you may need to buy SR-22 and suspended license auto insurance for years.
If you do not continue your auto insurance coverage and provide an SR-22 to your state’s DMV, your license may be suspended and can’t be reinstated until you renew your policy.
An SR-22 non-owner insurance policy can be helpful if you’re mandated to purchase car insurance but don’t own a car or if you operate a vehicle that isn’t yours.
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Do I need an SR-22 to reinstate my license?
The requirements for an SR-22 are determined by your specific violations. In some cases, you will not need to provide an SR-22 and can take advantage of other options.
You may be able to apply for a restricted license. However, each state has different requirements for eligibility, and you may not be eligible if your license has been previously suspended. If you can get a restricted license, it may be limited to travel for work and school only.
In other states, you may be able to apply for a conditional license. This means that you may have to complete a driving program that is sponsored by the DMV.
How much are SR-22 and suspended license auto insurance rates?
SR-22 auto insurance rates are likely to be higher than average.
Drivers who require an SR-22 are usually classified as high-risk drivers, which means they may have a hard time finding an SR-22 and suspended license auto insurance company.
Some companies that provide insurance for high-risk drivers include The General, Acceptance, and Titan Insurance.
Even if you’re not able to drive due to a suspended license, you may want to consider keeping auto insurance so that you don’t experience a lapse in coverage. If you have a lapse in coverage, your rates may be higher in the future.
To find affordable SR-22 and suspended license auto insurance, enter your ZIP code into our free quote comparison tool below.