Understanding SR-22 Quotes: What You Need to Know

John Davey

Updated

November 3, 2023

Edited By

Fausto Bucheli Jr

Introduction

An SR-22 quote is a price estimate for SR-22 insurance. SR-22 insurance is a certificate of financial responsibility that is required by some states for drivers who have had their driver’s license suspended or revoked. In this article, CheapInsurance.com will help you learn about SR-22s, the difference from standard auto insurance, how long you may need an SR-22, ways to save on your coverage, and how to compare SR-22 quotes.

Key Takeaways:

An SR-22 quote is a price estimate for SR-22 insurance, which is a certificate of financial responsibility required by some states for drivers who have had their driver’s license suspended or revoked.
The cost of an SR-22 quote varies depending on a number of factors, including your driving history, your vehicle, and your residency.
You can get SR-22 quotes from insurance companies online or by calling them directly.
If you can’t afford an SR-22 quote, there are a few things you can do, such as contacting your state’s DMV to see if they offer financial assistance programs.
Some states offer non-owner SR-22 policies, which are cheaper than owner SR-22 policies but only cover you when you are driving a car that you do not own.

What is an SR-22 quote?

An SR-22 quote is a price estimate for SR-22 insurance. It is important to note that SR-22 insurance is not a type of insurance on its own, but rather a rider that is added to your regular car insurance policy.

To get an SR-22 quote, you will need to contact an insurance company that offers SR-22 insurance. The insurance company will ask you for information about your driving history, your vehicle, and your residency. They will also need to know how long you need to maintain SR-22 insurance.

Once the insurance company has all of the necessary information, they will be able to provide you with an SR-22 quote. The quote will include the cost of the SR-22 rider, as well as the cost of your regular car insurance policy.

How much does an SR-22 quote cost?

The cost of an SR-22 quote varies depending on a number of factors, including your driving history, your vehicle, and your residency. However, you can expect to pay an average of $20-$40 per month for SR-22 insurance.

Some of the factors that can affect the cost of your SR-22 quote include:

Your driving history: If you have a bad driving history, such as a DUI or multiple accidents, you will likely pay more for SR-22 insurance.
Your vehicle: If you drive a high-performance vehicle or a vehicle that is considered to be high-risk, you will likely pay more for SR-22 insurance.
Your residency: SR-22 insurance rates vary from state to state. Some states have higher rates than others.

What factors affect the cost of an SR-22 quote?

The following factors can affect the cost of an SR-22 quote:

Driving history: Drivers with a recent DUI or multiple accidents will typically pay more for SR-22 insurance.
Age: Younger drivers typically pay more for car insurance in general, and this includes SR-22 insurance.
Gender: Male drivers typically pay more for car insurance than female drivers, and this includes SR-22 insurance.
Vehicle type: Drivers of high-performance vehicles or vehicles that are considered to be high-risk typically pay more for SR-22 insurance.
Location: SR-22 insurance rates vary from state to state.

How to get an SR-22 quote

To get an SR-22 quote, you can contact an insurance company that offers SR-22 insurance. You can also get SR-22 quotes online from CheapInsurance.com, and many other insurance companies at once.

When you are getting SR-22 quotes, be sure to compare the rates and coverage options from different companies. You should also make sure that the insurance company you choose is licensed to operate in your state.

How to compare SR-22 quotes

When comparing SR-22 quotes, be sure to compare the following:

Price: Compare the cost of the SR-22 rider, as well as the cost of the regular car insurance policy.
Coverage: Compare the coverage options offered by different insurance companies.
Customer service: Read online reviews to learn about the customer service reputations of different insurance companies.

Tips for getting the cheapest SR-22 quote

Here are some tips for getting the cheapest SR-22 quote:

Shop around: Get quotes from multiple insurance companies before you choose a policy.
Consider increasing your deductible: Increasing your deductible can lower your monthly premiums.
Take advantage of discounts: Many insurance companies offer discounts for things like good driving records, bundling policies, and taking defensive driving courses.
Look for state-sponsored programs: Some states offer programs to help drivers with bad driving records get affordable car insurance.

What to do if you can’t afford an SR-22 quote

If you can’t afford an SR-22 quote, there are a few things you can do:

Contact your state’s DMV. Some states offer financial assistance programs to help drivers who can’t afford SR-22 insurance. You can find more information about these programs on your state’s DMV website.
Shop around for a cheaper insurance company. Some insurance companies offer more affordable SR-22 insurance rates than others. You can get quotes from multiple insurance companies online or by calling them directly.
Consider getting a non-owner SR-22 policy. A non-owner SR-22 policy is cheaper than an owner SR-22 policy, but it only covers you when you are driving a car that you do not own. If you own a car, you will need to get an owner SR-22 policy.
Ask your insurance company about payment plans. Many insurance companies offer payment plans for SR-22 insurance. This can make it easier to afford your SR-22 insurance payments if you are on a tight budget.

If you are struggling to afford SR-22 insurance, it is important to reach out to your state’s DMV and to insurance companies to see what options are available to you. There is no need to go without SR-22 insurance, as there are programs and resources available to help you afford it.

What are the different types of SR-22 quotes?

There are three different types of SR-22 quotes:

Owner: This type of SR-22 quote covers you when you are driving your own car.
Non-owner: This type of SR-22 quote covers you when you are driving cars that you do not own.
Owner/operator: This type of SR-22 quote covers you when you are driving your own car and cars that you do not own.

The type of SR-22 quote you need will depend on your individual circumstances. If you own a car, you will need an owner or owner/operator SR-22 quote. If you do not own a car, you will need a non-owner SR-22 quote.

How long do I need to keep an SR-22?

The length of time you need to keep an SR-22 will vary depending on your state’s requirements. In most states, you will need to keep an SR-22 for three years after your driver’s license has been reinstated.

What happens if I cancel my SR-22 insurance?

If you cancel your SR-22 insurance, your insurance company will notify your state’s DMV. The DMV will then suspend your driver’s license. You will not be able to drive until you purchase SR-22 insurance again.

How can I improve my SR-22 quote?

There are a few things you can do to improve your SR-22 quote:

Improve your driving record: The longer you can go without a traffic violation or accident, the lower your SR-22 quote will be.
Take a defensive driving course: Many insurance companies offer discounts for drivers who take defensive driving courses.
Bundle your policies: If you have other types of insurance, such as homeowners insurance or renters insurance, you may be able to get a discount on your SR-22 insurance by bundling your policies with the same company.

What are the best SR-22 insurance companies?

The following are some of the best SR-22 insurance companies, based on customer reviews, financial ratings, and coverage options:

Geico offers a variety of SR-22 insurance policies, including owner, non-owner, and owner/operator policies. Geico also offers a number of discounts for SR-22 insurance, such as good driving record discounts, defensive driving course discounts, and bundling discounts.
Progressive is another popular choice for SR-22 insurance. Progressive offers a variety of SR-22 insurance policies, as well as a number of discounts, such as good driving record discounts, defensive driving course discounts, and bundling discounts
State Farm is a good option for drivers who are looking for affordable SR-22 insurance. State Farm offers a variety of SR-22 insurance policies, as well as a number of discounts, such as good driving record discounts, defensive driving course discounts, and bundling discounts.
USAA is a good option for military members and veterans. USAA offers a variety of SR-22 insurance policies, as well as a number of discounts, such as good driving record discounts, defensive driving course discounts, and bundling discounts.
Nationwide is another good option for SR-22 insurance. Nationwide offers a variety of SR-22 insurance policies, as well as a number of discounts, such as good driving record discounts, defensive driving course discounts, and bundling discounts.

When choosing an SR-22 insurance company, it is important to compare quotes from multiple companies to get the best rate. It is also important to consider the coverage options offered by different companies to make sure that you are getting the coverage you need.

Conclusion

If you need to purchase SR-22 insurance, it is important to shop around and compare quotes from multiple insurance companies. You should also consider your individual circumstances and choose the type of SR-22 quote that is right for you.

Here are some additional tips for getting the cheapest SR-22 quote:

Ask about discounts. Many insurance companies offer discounts for things like good driving records, bundling policies, and taking defensive driving courses.
Consider raising your deductible. Raising your deductible can lower your monthly premiums.
Make a down payment. Many insurance companies allow you to make a down payment on your policy, which can lower your monthly payments.
Set up a payment plan. If you can’t afford to pay your SR-22 insurance policy in full, many insurance companies offer payment plans.