By

John Davey

Updated

November 6, 2023

Edited By

Fausto Bucheli Jr
driver with sun in windshield
image credit - Tobi

SR-22 is a certificate of financial responsibility that is required by most states for drivers who have had a serious driving violation, such as a DUI or driving without insurance. If you need an SR-22, it is important to get accurate quotes from multiple companies to ensure you are getting the best possible rate. In this article, CheapInsurance.com explores the steps needed to get accurate SR-22 Quotes online.

Key Takeaways:

  • Compare quotes from multiple companies.
  • Be honest and accurate when providing your information.
  • Ask about discounts.
  • Consider raising your deductible to lower your premium.
  • Choose a policy based on coverage levels and price.

What is an SR-22 quote?

An SR-22 quote is an estimate of how much it will cost you to purchase SR-22 insurance. SR-22 insurance is a type of financial responsibility insurance that is required by many states after a driver has been convicted of a serious traffic violation.

Do all states have SR-22 Certificates?

An SR-22 is required by most states in the United States for drivers who have had a serious driving violation, such as a DUI or driving without insurance. However, there are a few states that have a different type of certificate, or requirement, than an SR-22.

States with a Different Type of Certificate Requirement than an SR-22

Virginia

Virginia requires drivers to have a FR-44 certificate instead of an SR-22. The FR-44 certificate is similar to the SR-22 certificate in that it proves that the driver has the minimum required auto insurance coverage. However, the FR-44 certificate requires higher liability coverage limits than the SR-22 certificate.

Florida

Florida also requires drivers to have a FR-44 certificate instead of an SR-22. An FR-44 certificate is only issued for drivers who have had their driving privileges suspended or revoked for a DWI or DUI conviction. The FR-44 certificate in Florida has the same liability coverage limits as the FR-44 certificate in Virginia.

Kentucky

The State of Kentucky does not require an SR22 certificate. However, if you are required to carry SR22 insurance in another state, and you drive in or move to Kentucky, you will still need to carry SR22 insurance. You will always need to meet the SR22 requirements of the state that imposed an SR-22 requirement on your drivers license.

New York

New York requires drivers to have a FS-1 certificate instead of an SR-22. The FS-1 certificate in New York is similar to the SR-22 certificate, but it also requires the driver to maintain a higher level of uninsured motorist coverage.

Delaware

Delaware is one of six states that does not require SR-22 insurance. However, if you are a Delaware resident and you are convicted of a DUI in another state, you may be required to file for SR-22 insurance in order to reinstate your driving privileges in Delaware.

North Carolina

North Carolina is one of six states that does not require SR-22 insurance. However, drivers in North Carolina may be required to file for SR-22 insurance if they are convicted of certain driving violations, such as:

  • Driving under the influence (DUI)
  • Driving while impaired (DWI)
  • Driving without insurance
  • Reckless driving
  • Fleeing the scene of an accident
  • Accumulating a certain number of traffic violations within a certain period of time


Oklahoma

Oklahoma is one of six states that does not require SR-22 insurance. However, if you are an Oklahoma resident and you are convicted of a DUI in another state, you may be required to file for SR-22 insurance in order to reinstate your driving privileges in Oklahoma.

New Mexico

Like Oklahoma, North Carolina,and Delware, New Mexico is one of six states that does not require SR-22 insurance. However, if you are convicted of a DUI in another state, you may be required to file for SR-22 insurance in order to reinstate your driving privileges in New Mexico.

How do I get an SR-22 insurance quote online?

There are a number of ways to get an SR-22 insurance quote online. One option is to use an insurance marketplace website. These websites allow you to compare quotes from multiple insurance companies at once. Another option is to contact individual insurance companies directly and request a quote.

What information do I need to provide to get an accurate SR-22 insurance quote online?

Driving History Information Required for SR-22 Insurance Quotes

When you get an SR-22 insurance quote online, you will need to provide information about your driving history. This information will include:

  • Types of driving infractions: You will need to list all of the driving infractions that you have been convicted of in the past three to five years. This may include DUI/DWI, driving without insurance, reckless driving, hit-and-run, driving with a suspended or revoked license, and multiple traffic violations.
  • Conviction dates: You will need to provide the conviction date for each driving infraction.
  • Accidents: You will need to list all of the accidents that you have been involved in in the past three to five years. This includes both at-fault and not-at-fault accidents. For each accident, you will need to provide the date of the accident, the other driver(s) involved in the accident, and whether you were at fault.
  • Responsible party in accidents: If you were involved in an accident, you will need to provide information about the other driver(s) involved in the accident. This information may include the other driver’s name, address, and insurance information.

In addition to your driving history information, you will also need to provide the following information to get an accurate SR-22 insurance quote online:

  • Your name and address
  • Your date of birth
  • Your driver’s license number
  • Your vehicle information
  • Any prior insurance claims

Tips for Providing Accurate Driving History Information

It is important to provide accurate driving history information when you get an SR-22 insurance quote online. This will help you to get the most accurate quotes possible. Here are some tips for providing accurate driving history information:

  • Be honest and complete. Don’t try to hide any driving infractions or accidents.
  • Provide the correct dates for all driving infractions and accidents.
  • If you were involved in an accident, provide information about the other driver(s) involved in the accident.
  • If you have any prior insurance claims, provide information about those claims.

By providing accurate driving history information, you can help to ensure that you get the best possible SR-22 insurance quote.

police officer writing a traffic ticket
image credit - Kindel Media

How can I compare SR-22 insurance quotes online?

Once you have received quotes from multiple insurance companies, you can compare them by looking at the following factors:

Premium: The premium is the amount of money that you will pay for your SR-22 insurance policy. Premiums can vary depending on a number of factors, including your driving history, vehicle type, and location.

Deductible: The deductible is the amount of money that you will need to pay out of pocket before your insurance company starts to pay for claims. The higher your deductible, the lower your premium will be.

Coverage: SR-22 insurance policies typically offer the same minimum coverage levels as standard auto insurance policies. However, some companies may offer additional coverage options, such as rental car reimbursement and towing coverage.

Financial stability: It is important to choose an insurance company that is financially stable. This means that the company should have enough money to pay out claims. You can check the financial stability of insurance companies by visiting websites such as AM Best and Fitch Ratings.

Customer service rating: You should also consider the customer service rating of the insurance company when comparing SR-22 insurance quotes. You can read customer reviews on websites such as the Better Business Bureau and J.D. Power.

Tips for Comparing SR-22 Insurance Quotes Online

Here are some tips for comparing SR-22 insurance quotes online:

  • Compare quotes from multiple companies.
  • Get quotes from both national and regional insurance companies.
  • Ask about discounts, such as good driver discounts and multi-policy discounts.
  • Consider raising your deductible to lower your premium.
  • Read the fine print of each policy to make sure that you understand the coverage levels and exclusions.

Additional Information about Premiums, Deductibles, Financial Stability, and Customer Service Ratings

Premiums

Premiums for SR-22 insurance can be higher than premiums for standard auto insurance. This is because SR-22 insurance is required for drivers who have high-risk driving records.

Deductibles

Deductibles for SR-22 insurance can also be higher than deductibles for standard auto insurance. This is because insurance companies are taking on more risk by insuring drivers with high-risk driving records.

Financial stability

It is important to choose an insurance company that is financially stable. This means that the company should have enough money to pay out claims if you are involved in an accident. You can check the financial stability of insurance companies by visiting websites such as AM Best and Fitch Ratings.

Customer service rating

You should also consider the customer service rating of the insurance company when comparing SR-22 insurance quotes. You can read customer reviews on websites such as the Better Business Bureau and J.D. Power.

What are some tips for getting the most accurate SR-22 insurance quotes online?

Here are some tips for getting the most accurate SR-22 insurance quotes online:

  • Be honest and accurate when providing your information.
  • Compare quotes from multiple insurance companies.
  • Ask about discounts and promotions.
  • Read the fine print before you purchase a policy.

What are some common mistakes to avoid when getting SR-22 insurance quotes online?

Here are some common mistakes to avoid when getting SR-22 insurance quotes online:

  • Failing to compare quotes from multiple insurance companies.
  • Not reading the fine print before you purchase a policy.
  • Providing inaccurate information.
  • Not asking about discounts and promotions.

What are the different types of SR-22 insurance quotes available online?

There are a number of different types of SR-22 insurance quotes available online. The most common type of quote is for a standard SR-22 policy. This type of policy covers drivers who own a vehicle and operate it regularly.

Other types of SR-22 insurance quotes available online include:

  • Non-owner SR-22 policies:¬†These policies are for drivers who do not own a vehicle but need SR-22 insurance to drive a vehicle owned by someone else.
  • Motorcycle SR-22 policies:¬†These policies are for drivers who own and operate a motorcycle.
  • Commercial SR-22 policies:¬†These policies are for drivers who operate commercial vehicles,¬†such as trucks and buses.

In addition to these different types of SR-22 insurance policies, there are also a variety of different coverage options available. Some common coverage options include:

  • Liability coverage:¬†This coverage pays for damages and injuries to other people and their property if you are at fault for an accident.
  • Collision coverage:¬†This coverage pays for repairs to your own vehicle if you are involved in an accident.
  • Comprehensive coverage:¬†This coverage pays for damages to your own vehicle caused by events other than collisions,¬†such as theft,¬†vandalism,¬†and weather events.

When comparing SR-22 insurance quotes online, it is important to compare the coverage levels and prices of different policies. You should also consider the financial stability and customer service reputation of the insurance company.

Here are some links to supporting documentation on the different types of SR-22 insurance quotes available:

How can I find the best SR-22 insurance quotes online?

To find the best SR-22 insurance quotes online, you should compare quotes from multiple insurance companies. You should also ask about discounts and promotions. Additionally, you should read the fine print before you purchase a policy to make sure you understand what is covered and what is not.

What are some things to be aware of when getting SR-22 insurance quotes online?

When getting SR-22 insurance quotes online, it is important to be aware of the following:

  • Not all insurance companies offer SR-22 insurance.
  • SR-22 insurance can be more expensive than regular car insurance.
  • You will need to file an SR-22 form with your state’s Department of Motor Vehicles (DMV) once you have purchased a policy.
upset woman driving car
image credit - Kristine javashvili

How can I avoid getting scammed by SR-22 insurance quote websites?

To avoid getting scammed by SR-22 insurance quote websites, you should only get quotes from websites that are reputable and secure. You should also be wary of websites that offer quotes that seem too good to be true.

What should I do if I can’t get an SR-22 insurance quote online?

If you can’t get an SR-22 insurance quote online, you may be able to get a quote from an insurance agent over the phone or in person. You may also be able to get a quote from a high-risk insurance company.

Additional information

Here are some additional things to keep in mind about SR-22 insurance quotes online:

  • SR-22 insurance quotes can vary depending on your state of residence, driving history, and the type of vehicle you drive.
  • It is important to compare quotes from multiple insurance companies before you purchase a policy.
  • You should also read the fine print of any policy before you agree to it.
  • Be sure to ask about discounts and promotions