Have you lost your car insurance because of a few traffic offenses or a revoked license?
Don’t risk driving without insurance. Get cheap SR-22 insurance today and enjoy your driving privileges again. Get your proof of financial responsibility through one of our approved carriers.
Not everyone needs SR-22 insurance. It’s typically required if you’ve been caught driving without insurance or a valid driver’s license.
Here are some other reasons why you may need to file an SR-22 form:
Our carriers will offer you the best SR-22 insurance option according to your specific needs. The types of SR-22 insurance that they will offer you, include:
Not only do the insurance companies we work with bring you the best and cheapest SR-22 insurance, but they will also help you get your coverage in place with ease.
They will walk you through the process of filling out your DMV forms correctly so that you can get your license reinstated and start driving again.
Just follow these easy steps:
If you want to buy your SR-22 insurance over the phone or in person, simply call us at (800) 486-1866. One of our friendly representatives will be glad to help you.
To buy SR-22 insurance online, head to the top of this page and enter your zip code. You’ll be prompted through a few easy steps to find the best, cheapest insurance quote.
Browse through the answers to some of the common questions that customers have about car and SR-22 insurance right here. If we haven’t answered your question, reach out to us below:
An SR-22 is a certificate of financial responsibility required for some drivers, either by their state or a court order. It is not an actual type of insurance, but a form filed with your state.
It is a car insurance provider’s guarantee to the state’s Department of Motor Vehicles (DMV) that you have obtained and will maintain the legally required auto insurance coverage.
Serious offenses that require SR-22 insurance include DUI, vehicular assault, or other serious violations involving negligence or severe endangerment of other drivers or pedestrians.
As soon as the SR-22 is filed and accepted by the DMV, your license suspension will be lifted and you will be able to drive legally again.
Although you’ll usually hear it called “SR-22 insurance,” SR-22 is different from regular car insurance policies. It serves as a special policy endorsement, proving you are holding car insurance coverage that meets the legal standards for financial responsibility in your state.
In effect, even the best insurance with SR-22 probably doesn’t offer you any more protection than a basic car insurance policy.
It simply verifies that you have enough insurance to meet your obligations if you are in an accident. Unfortunately, it can be very expensive.
It is not unusual for SR-22 to be twice as costly as regular insurance.
If your driver’s license is suspended, your state might require you to prove that you have car insurance before your license gets reinstated. An FR-44 form shows that you carry more than the bare minimum coverage required for the SR-22 certificate.
It actually requires you to carry at least double the amount of liability coverage needed for the SR-22.
An SR-22 form is sometimes referred to as a certificate of financial responsibility. Your insurance company files the document after you have had your license suspended or revoked.
The main difference between SR-22 and regular insurance is that SR-22 insurance is for high-risk drivers who are convicted of major moving violations. Regular insurance, on the other hand, is for anyone who drives a car.
The underlying insurance coverage is the same, but the SR-22 designation will make regular coverage more expensive. With an SR-22 insurance policy, the insurance provider also promises to keep the state informed of the status of your insurance policy.
Once your SR-22 filing is no longer needed, you can have it removed and continue driving with your regular insurance policy.
You might be ordered to hold an SR-22 insurance endorsement if you have recently been in a car accident.
An SR-22 form lets you keep or get back your driving privileges after having committed serious or repeated crimes.
SR-22 insurance is very common in these situations–you might need one if:
SR-22 insurance designates that someone is a high-risk driver.
Once the period during which you will need SR-22 insurance has passed, you can revert back to standard insurance.
If you are required to have SR-22 insurance but you don’t make the payments to keep it in place, you could face serious fines and penalties.
If you don’t pay, the insurance provider must report it to the DMV under state law. The DMV will suspend your license almost immediately.
The DMV can also take away your license permanently, which means you will not legally be allowed to drive.
So get your SR-22 insurance with the cheapest car insurance companies as soon as possible!
With CheapInsurance.com, you can simply head to the top of this page, enter your zip code and a few other details, and get dozens of quotes from the best insurers in your area.
As long as your insurance company offers SR-22 form filings, all you have to do is call them and they’ll take care of everything for you.
If your state requires that you have SR-22 insurance, they’ll add it to your existing policy and then file the SR-22 insurance document at your local DMV.
If your current insurance company doesn’t offer SR-22 insurance or you don’t already have car insurance, you’ll need to buy a new policy.
Because many insurance companies don’t cover SR-22 insurance, it’s a good idea to let them know right away that you need it to save yourself a lot of time.
Filing an SR-22 is often a requirement for a driver to reinstate their suspended license, but it does not allow them to drive while the suspension is still in effect.
SR-22 insurance is a kind of proof that your insurance company will send to the DMV on your behalf. It proves that you meet the state minimum coverage requirements.
If you don’t have insurance, you need to get it first and then get the SR-22 insurance on top of that.
You will need an SR-22 for between one and five years. However, most states require you to have it for three years.
You must be continuously insured during this timeframe, since any lapse in coverage will cause the SR-22 clock to reset. Here are a few things to keep in mind:
When your SR-22 insurance is canceled or lapses, your insurance carrier must send the state an SR-26 form.
This form lets the state that requires the SR-22 insurance filing know that the policy has been canceled or the coverage options have lapsed.
This means that your driver’s license will be revoked. You may also be fined or have your insurance rate go up.
If an SR-26 is filed, you’ll have to pay for everything again. The length of time your policy was not in effect, doesn’t make a difference to this–whether it was only for one week, or four months.
The good news is you can get another SR-22 policy and have the state file it again.
An SR-26 form notifies the local DMV that an offending driver no longer has an SR-22 certificate with a specific insurance company.
This means either the driver held the SR-22 form for the required time period, or the driver no longer has an SR-22 for other reasons.
SR-22 insurance will cost you an average of between $65 and $125 per month, depending on the insurer and the nature of the offense that resulted in the requirement for SR-22 insurance.
The DMV in your state will additionally charge a one-time fee to process the relevant documents.
In most states, an SR-22 filing fee with the DMV will cost you between $15 and $50 (typically $25), depending on the state.
The insurance policy that comes with an SR-22 doesn’t have a set premium. It’s based on standard rating factors, including:
You’ll pay more for insurance if your driving record shows that you’re a “risky driver,” even if you don’t need an SR-22.
SR-22 insurance is expensive because it is only required for “high-risk” drivers. It is for drivers who have recently been convicted of a significant driving violation, such as DUI or reckless driving.
Drivers who are deemed high risk will naturally face higher premiums as a result of the increased possibility that they will file a claim.
Insurance companies have broad power to decide just how expensive SR-22 insurance will be. Not all insurance firms even offer it.
From the perspective of a car insurance company, people with SR-22 insurance are more likely than others to have an accident, so they are charged extra to defray potential costs in the future.
Remember, even though you might hold SR-22 car insurance as part of a court order, it is not the job of your car insurance company to “punish” you.
Most people are still allowed to change SR-22 insurance providers if they find a better deal. Just make sure there are no gaps in your coverage period when you switch!
Insurance costs can vary based on the state you live in. The cheapest insurance provider in the country may not be the cheapest in your state.
Different insurance companies charge varying rates based on where you live, and they may also view DUIs and other violations differently in different states.
You should be sure to get personalized quotes from different insurers, because insurance rates can vary due to:
Every high-risk driver can make their car insurance more affordable and get the best deal for SR-22 insurance.
You can do the same thing, too! How? By taking steps to improve your driving record and keeping your records clean through safe driving.
Here are a few ways you can lower your SR-22 insurance rates over time:
Navigating the SR-22 Insurance Landscape: A Guide to Obtaining Quotes An SR-22 insurance policy, also known as a certificate of financial responsibility, is a mandatory requirement imposed
image credit – Keenan Constance Introduction: Navigating the Financial Implications of SR-22 Insurance In the realm of driving, SR-22 insurance stands as a mandatory requirement for individuals