Do you need SR-22 insurance after a suspended license?
Yes, you need SR-22 insurance after a suspended license. Getting your license suspended puts you in a high-risk category, and your current provider may not provide high-risk car insurance coverage. Shop around for affordable SR-22 insurance quotes before you buy because you can expect to pay more than average for SR-22 insurance after a suspended license.
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UPDATED: Jun 3, 2021
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- You will need to buy SR-22 insurance after a suspended license to reinstate your driving privileges
- Most states require drivers to carry SR-22 for 3-5 years
- SR-22 insurance rates vary by driver based on where you live and the kind of car you drive
Do you need SR-22 insurance after a suspended license? Yes. If your driver’s license is suspended, you will need to file an SR-22 form with your provider to legally reinstate your driving privileges.
Driving without car insurance is illegal, and you can face fines and jail time for failing to maintain SR-22 insurance. Read our guide to learn how long you need SR-22 insurance and how to get SR-22 removed after a suspended license.
Do you need SR-22 insurance after a suspended license? Shop around for affordable SR-22 insurance quotes before you buy to get the best rates. Enter your ZIP code above to start comparing quotes from local companies for free.
Do I need an SR-22 to reinstate my license?
Yes, you will likely need an SR-22 to reinstate your driver’s license once it’s been suspended. But SR-22 isn’t an insurance policy. Every state requires a compulsory level of insurance coverage, and an SR-22 form proves that you meet the minimum insurance requirements to legally drive in your state.
State laws vary when it comes to SR-22 insurance costs, but you can expect your auto insurance rates to go up once you file an SR-22. Filing one signals to providers that you’re a higher risk to insure, and you may lose coverage if your current company doesn’t offer high-risk car insurance.
How long do I need to have SR-22 insurance?
Drivers with suspended licenses are required to carry SR-22 insurance for 3-5 years on average depending on state law. Failure to maintain SR-22 insurance can result in another license suspension, vehicle registration suspension, jail time, and/or fines of $500 or more.
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How do I get SR-22 insurance removed?
The only reason you need to remove SR-22 insurance before the end of your required period is if you are switching insurance companies.
If you’re switching providers, do not cancel your current policy until the new SR-22 is in place. When you have confirmation that your new policy is applied, contact your current provider to cancel your SR-22 car insurance.
Once you serve the terms of your SR-22 insurance requirements, you can call your insurance company to cancel and remove the SR-22. Your provider will notify the DMV on your behalf.
If you cancel SR-22 early, your license will be suspended again and you will have to start the process over from the beginning.
Before you buy SR-22 auto insurance, shop around for affordable rates with multiple companies, especially if you need SR-22 insurance after a suspended license. Enter your ZIP code below to compare SR-22 insurance quotes from local companies for free.