What is SR-22 Insurance?
SR-22 is a form which attests to the coverage offered by an insurance company. It can also attest to the posting of personal public bonds. In the latter case, it attests to the minimum liability coverage for the driver or the vehicle registration. These administrative forms are generally filed with a states’ DMV. In certain states it is required that an SR-22 is carried by the driver or in the vehicle which is registered. This is a requirement if the licensee has already been cited for lapses in coverage or a DUI. This type of coverage also attests to have liability coverage or operator liability coverage. In 49 states this form is required to register a car to use. It is also required to get a license back after it has been suspended because of a lapse in coverage. Most states require that the insurance company provide this form in a timely manner to update coverage.
There are online forms such as the form you see above this page where you will just fill up one form and you will get various quotes from the cheapest SR-22 insurance companies. All you need to do is compare these quotes and choose which quotes is the best for your budget.
Who Needs SR-22 Insurance?
Everyone makes mistakes in life. Some people have trouble with their driving record and have lost their license at some point or another. If your license was suspended, then you will be required to obtain an SR-22 car insurance form prior to getting your license reinstated by the Department of Motor Vehicles. When you submit an SR-22 car insurance form it states that you have the minimum amount of insurance required by your state and that if your insurance is canceled at any point or you allow for a lapse in time that the insurance company will contact the DMV.
There are a handful of reasons why you might be required to get an SR-22 car insurance filing. If you received a DUI you will be required to get this form to reinstate a suspended license. If you are required to get this form your insurance will cost more than drivers with perfect records. However, you should still look around for good insurance rates instead of settling for the least expensive answer. Your insurance rate after an SR-22 car insurance filing requirement will be dependent upon your driving record, where you live, and for how long you have been driving. If you are required to get this form because of a DUI conviction it will cost you more than if you were required to get the form because of unpaid parking tickets. You will need to purchase liability coverage for a car which you own if you have to get an SR-22 filing.
What if I Don’t Own a Car?
Non-Owner SR-22 Insurance is what you need in this case. If you have recently had your license suspended or you are considered a “high risk” driver, but you do not own a car, you can still buy this type of insurance under the heading “non-owner coverage”. This means that if you rent a car or borrow a car from your friend, you still have the insurance coverage you are legally required to have. This special subsection of SR-22 is not offered by every insurance provider, and if you have violations on your driving record from things like a DUI, it might be difficult to find. Difficult, but not impossible.
How Do I Get an inexpensive SR-22 Insurance?
Most of the time you will find out that you need this insurance when you are attending an administrative court hearing after you have had your license taken away or at facing a probationary driving period. During this time a judge will typically order that you submit this form. At this point, you, as the driver in question, have to notify your insurance company that the judge has made this request.
At this point your car insurance will file the form officially with your state DMV on your behalf. You cannot file it on your own. The insurer has to send it directly. Once filed, your DMV could take anywhere from a few days to a few weeks to process it. Electronically submitted forms are processed faster than snail mail. Remember to request this from your car insurance immediately after a judge or court has asked because there are state deadlines for processing it, and if the DMV does not process it on time because they received it late, you are the one who gets punished. You might have your licensed suspended even if it was valid before. So do not hesitate. Take into account that it could take your DMV up to 2 weeks to process and ask your insurance how long it will take them.
How Do I Reinstate My License After Getting SR-22 Insurance?
In order to reinstate your license you must pay a reinstatement fee and any other fines associated with your driving record. After you pay for your low-cost SR-22 insurance you will be able to have the form faxed immediately so that you can reinstate your insurance right away. You must go to the DMV with the form in order to have your license reinstated. However, you are required to maintain the cheapest SR-22 insurance for a designated amount of time. Generally this time is between one and three years but it is important that you maintain it as long as you need to avoid further charges.
How Much Does SR22 Insurance cost?
Filing the form has an average cost between $17 and $45 depending on your state. Now, since your insurance company is the one responsible for submitting the actual file, they take on this fee when the filing is done, then they will bill you independently or add the cost to your next insurance bill. In some cases you might be required to have SR-22 insurance for multiple years, in which case you only pay a fee once for it to be filed the first time. When your insurance renews the form annually there is no additional fee. However, be advised that if there is a lapse—meaning, you did not ask for the renewal to be processed on time—then you will have to pay again because you will need new proof of coverage.
How Long Do I Need SR-22 Insurance?
Typically speaking, you will need to have this certificate of coverage for three years. However, the actual length of time is contingent upon:
- where you live and what your state laws are, and
- why the courts required this coverage of you.
If, for example, you have to get SR-22 for a serious DUI violation, then they might require it for five years. If there was a less dangerous reason, it might be only 2 years. The coverage remains valid for as long as you maintain your insurance policy.
If, for any reason, you cancel this policy or there was a lapse in between renewals, your auto insurance will notify your state authorities. They will then “pause”, as it were, the total amount of time you must carry it. So, for example, if you are asked to have SR-22 for 3 years, but then you cancel your insurance policy after 2 years, the state will likely suspend your license if it had been previously suspended. Moreover, they will then press a figurative pause on that three year mark and once you decide to buy a new insurance policy in the future, they will start it up again. If you wait one year to buy new insurance, then you need to pay for SR-22 for one more year after buying the new policy.
The length of time you are required by your state to carry the insurance can be extended if, during that time, you get into a car accident or a traffic violation. The courts can extend the time you need this insurance, which can increase the cost of your insurance. The reason the cost goes up is because additional violations tells your insurance that you are a high-risk driver.
Once you have completed the time you are required to have this insurance, your car insurance has to file a form ending it. This is form SR26. If you choose an AAMVA filing electronically then this will be automatically done at the end of your required time.
How Can I Find an Affordable SR22 Insurance Near Me?
Finding a cheap SR-22 insurance near you is not impossible. Any insurance provider in any state can provide this coverage, but not all of them do. Getting this tells the courts that you are a high risk driver, so the regular car insurance you might currently have could cancel your policy as a result. Even if they keep you on as a policyholder, they can raise the price significantly.
Insurance providers determine the amount of money you pay for your coverage based on how safe a driver you are, which is why many people can get discounts on car insurance by taking safe driving courses or going multiple years without violations or having an electronic unit track how safely they drive. So, if you get SR-22 it means you might have engaged in risky behavior while intoxicated, had multiple traffic violations, or been in an accident. These are all considered high risk things.
So, if your current company drops you or they raise the rates to a point where you cannot afford them, you will need to find a new one. Hopefully, you can find a low-cost SR-22 insurance that does not penalize you further. Bigger companies like GEICO or Progressive tend to penalize you more for things like DUI’s than smaller insurance agents or regional providers.
Price surveys indicate that if your SR-22 was the result of a traffic violation, your insurance penalties will be less severe than if it was the result of a DUI or major accident. Ohio and Texas do not raise their rates much if the incident in question was speeding, for example. Below is a quick table of some average cost differences:
|Stat||Average Annual COST||Speeding Violations||DUI and/or Accident|
Keep in mind that you might need proof of insurance now and proof of future insurance. Now, most people pay for auto insurance on a monthly basis. If you are required to provide future proof, then you will need to pay for your insurance six or twelve months out.
In some very rare cases, you might be deemed too high a risk for most larger companies to accept in which case your only recourse for finding the best SR-22 insurance will be through local insurance agents.
What Are The Best Companies for Cheap SR22 Insurance?
Acceptance will give quotes for all high-risk drivers. So if you have been dropped, try this company. There is esurance or Direct Auto. Larger companies include GEICO, Allstate, Infinity, and Progressive. If they will not cover you, there are alternative insurance providers such as, Safe Auto, The General, and Titan Insurance. These are the top ten insurance providers for SR-22.
In order to get your insurance coverage up to date, you will need to get a quote for SR-22 insurance. There are many resources out there that can help, but getting a quote for your insurance coverage will help give you a better idea of the costs and companies you can work with. You can get a free quote just filling the form on the top of this page, and in a few minutes you’ll compare multiple inexpensive SR-22 insurance quotes.
What are SR-22 Alternatives?
Depending on your state, and the reason for your violation, you might have to file additional alternative forms.
• SR-21 Insurance
This is a similar form but it demonstrates that you have proof of auto insurance. Most of the time this is only asked for if you were in an auto accident or you got a traffic citation.
• SR-22A Insurance
If you live in Texas, Missouri, or Georgia, and you have had repeat violations of your state financial responsibility laws, then you might have this form. This form requires that you pay your policy six months at a time, and you pay it in full.
• FR-44 Insurance
If you live in Virginia or Florida and your conviction was a DUI relation violation you will get this insurance. It is the same document but it requires that the state minimum insurance amount you carry is doubled, to accommodate for your high risk driving.
• SR-50 Insurance
If you live in the state of Indiana this might be the alternative insurance you are required to carry. This one is similar and is meant to help you get your licensed reinstated after it has been suspended because of your violation.