Cost of SR-22 Insurance
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UPDATED: Nov 2, 2020
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Factors that Can Affect the Cost of SR-22 Insurance for Drivers
The cost of SR-22 insurance can be as much as three to five times higher for drivers whose driver’s licenses were revoked or suspended. Such drivers must carry an SR-22 form as required by the auto insurance laws of the state where they reside and drive. While you can file an SR-22 form a low fee ranging from $15 to $25 depending on where you live, the cost of the insurance policy you purchase depends on various factors upon which an auto insurance policy is rated, regardless of the SR22.
Drivers whose licenses were suspended due to DUI or DWI convictions will pay a much higher premium than drivers with excessive traffic tickets, although the drivers with too many tickets will pay a lower premium than the drivers with DUI convictions. Drivers in both groups still end up paying more than drivers with a clean record. Uninsured drivers who were involved in an accident that caused bodily injury to other people may also end up paying a higher premium, since they also may be required to file a SR-22 depending on the state where they live. Whatever premium you end up with is the one you will most likely be stuck with for at least three years, the length of time a driver must carry an SR22.
SR-22 Non-Owner insurance is available for persons who operate a vehicle but do not own one, or if there is a car in the household that is not registered to the policyholder. An exception is in the case that a vehicle is owned and driven by a husband and wife, in which case the vehicle must be registered.
You can lower the cost of SR-22 and SR-22 Non-Owner Insurance by electing to pay as high a deductible as you can comfortably afford. Drivers who carry SR-22 forms can also save a few hundred dollars by removing comprehensive and collision coverage from older vehicles. Keeping your driving record clean from any further blemishes will also help you get back to lower premiums as the impact of your current violations will lessen over time. In some states, the impact may lessen so much you may no longer need to carry SR-22 insurance, so it’s a good idea to check with your state’s DMV to verify the SR-22 filing requirement. You can have your insurer remove the filing from your policy if it is determined you no longer need it.
You should check to see which insurers in your area offer SR-22 insurance. Next, shop online for the lowest SR-22 insurance rates you can find, keeping in mind that your premiums will be higher. Then choose the insurer with the lowest quote.