SR-22 and Uninsured or Underinsured Motorist (UM/UIM) Coverage: What to Know
SR-22 and uninsured or underinsured motorist (UM/UIM) coverage is essential for high-risk drivers in specific states. With SR-22 attached to your insurance, you could pay at least $73/mo. However, your auto insurance rates vary by company. Shop around and compare multiple companies to secure affordable SR-22 and uninsured/underinsured motorist coverage today.
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UPDATED: Jul 1, 2021
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- Uninsured and underinsured motorist coverage is required in 18 states
- Drivers don’t have to pay extra for UM/UIM if the state requires it
- Collision and comprehensive auto insurance isn’t mandatory
- The average cost of SR-22 auto insurance is $73/mo
Did you know uninsured (UM) and underinsured motorist (UIM) coverage is part of liability coverage in some states? After you fill out an SR-22 form, these coverage options will be added to your policy.
But how do SR-22 and uninsured/underinsured motorist coverage work in states that don’t require them?
Read through our guide to learn more about SR-22 and uninsured/underinsured motorist insurance and how they affect your auto insurance policy.
Once you learn everything about SR-22 and uninsured or underinsured motorist (UM/UIM) coverage, enter your ZIP code above to compare affordable SR-22 insurance quotes from multiple companies near you for free.
How is SR-22 and uninsured or underinsured motorist (UM/UIM) coverage related?
Uninsured and underinsured motorist coverage is part of liability car insurance in some states, and it’s still recommended for drivers in states where it’s optional.
If you need SR-22 certification, UM/UIM is mandatory in required states. Let’s look at the states that have UM/UIM listed in the minimum car insurance requirements.[table “432” not found /]
Nineteen states and Washington D.C. have a mandatory law where an uninsured motorist/underinsured motorist coverage is included in liability auto insurance.
How SR-22 and uninsured/underinsured motorist bodily injury are related?
Your SR-22 certification proves that you have the minimum auto insurance to drive in the state where you live. UM/UIM bodily injury is half of UM/UM coverage. The other half is UM/UIM property damage.
As seen in the previous section, UM/UIM has coverage limits that are similar to standard liability car insurance.
What is uninsured/underinsured motorist coverage exactly?
Uninsured motorist coverage provides compensation when you’re in an accident with an uninsured driver. Both parts of UM protect you from out-of-pocket costs.
Underinsured motorist coverage helps when you’re in an accident with a driver who does not have enough insurance to cover the cost of injuries and damages. UM also provides coverage if you encounter a hit-and-run driver or vehicle theft.
Although UM covers bodily injury and property damage, it’s recommended that you stack health insurance or personal injury protection (PIP) to make sure you have options.
Which states have the highest percentage of uninsured drivers?
Uninsured motorist coverage is necessary for states that have higher numbers of uninsured drivers. Here are the top ten states that have the highest percentage of uninsured drivers.
- Mississippi – 29.4%
- Michigan – 25.5%
- Tennessee – 23.7%
- New Mexico – 21.8%
- Washington – 21.7%
- Florida – 20.4%
- Alabama – 19.5%
- Arkansas – 19.3%
- District of Columbia – 19.1%
- California – 16.6%
Regardless of the area where you live, UM/UIM is highly recommended. If you live in an area with a high crime rate, your car insurance agent may insist that you get comprehensive coverage in addition to UM/UIM coverage.
Which states don’t require SR-22 auto insurance?
Some states don’t have mandatory SR-22 laws. Here’s a list of states that don’t carry SR-22 requirements.
- New Mexico
- New York
- North Carolina
The other 44 states do have SR-22 insurance regulations. If you move to a state that requires SR-22 for high-risk drivers, be prepared to pay a $25 application fee for SR-22.
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How much is uninsured/underinsured (UM/UIM) coverage with SR-22 attached to auto insurance?
It’s challenging to pinpoint the cost of UM/UIM insurance since it’s connected to liability coverage (bodily damage liability and property damage liability).
The National Association of Insurance Commissioners (NAIC) announced its latest average auto insurance rates in 2021. But the NAIC doesn’t list rates affected by SR-22. When you have SR-22, your car insurance rates are about 50% more.
Here’s an example of how SR-22 affects auto insurance per month.
- Liability-Only Coverage Auto Insurance Rates w/ SR-22 – $73/mo
- Average Liability-Only Coverage Auto Insurance Rates – $48/mo
Your auto insurance rates are based on personal factors and the company that handles your policy. Cheap SR-22 insurance is hard to find. But, high-risk drivers can take advantage of car insurance discounts to lower rates.
Do I need collision and comprehensive coverage if I have UM/UIM?
A driver that’s still making payments on their vehicle is required to buy full coverage car insurance. A full coverage auto insurance policy is when you add collision and comprehensive coverage to liability insurance.
High-risk drivers who finance their car need SR-22 and full coverage.
Collision insurance covers damage to your vehicle regardless of fault. Meanwhile, comprehensive insurance covers accidents that don’t involve collisions.
Can collision and comprehensive auto insurance coverage be excessive?
It depends on your situation. If your vehicle is at least three years old, it’s best if you carry collision and comprehensive coverage. When you don’t have any car payments, you can choose to drop full coverage.
However, some states won’t allow you to use UM to cover damage to your vehicle.
Here is a list of states that don’t allow drivers to use uninsured property damage coverage to pay for hit-and-run damage:
Each state has different rules for auto insurance coverage. It’s better to have excessive insurance than insufficient coverage.
What if I’m the uninsured driver in an accident?
Driving without car insurance after being told to get SR-22 insurance could have serious legal consequences.
And if you get into an accident without having insurance, you could lose your driving privileges for over a year. Regardless of the negligence law in your state, you could face time in county jail and pay fines, also.
SR-22 and Uninsured or Underinsured Motorist (UM/UIM) Coverage: What’s the bottom line?
You may need UM/UIM if your state requires it for minimum car insurance. The overall auto insurance rates are more expensive with SR-22. However, having car insurance is better than not having insurance at all.
Now that you know more about SR-22 and uninsured/underinsured motorist (UM/UIM) coverage, enter your ZIP code below to compare free quotes from SR-22 car insurance companies in your local area.