SR-22 Car Insurance guide SR-22 Car Insurance: Getting You Back on the Road insert_chart Get a quote

SR-22 Car Insurance

Getting informed that you will be required to file an SR-22 is typically the first step to reinstating your driving privileges. SR-22s are financial responsibility certificates filed with your state that prove you have the minimum auto liability insurance coverage required by law. A court or your state’s traffic authority will notify you that you need an SR-22 on file before reinstating your driver’s license. A suspension of your license requiring an SR-22 can occur for numerous reasons, including:

OfficialCarInsurance.com understands that when you receive a letter from a court or state Motor Vehicle Department telling you to get an SR-22, you will have questions as you navigate the process. So we put this brief guide together to answer some of the most common questions we receive about SR-22s.

SR-22 Car Insurance questions

Help get you back on the road as quickly and cost-effectively as possible.

What To Do When You Need an SR-22

Getting through the process of getting your license back after a suspension can be stressful. Fortunately, once you find a qualified insurance provider you want to work with, most of the work is done for you. So the first step for you is to find the right insurance company willing to work with you to get you back on the road.

The court will typically notify you in person at an administrative hearing that you need an SR-22. Sometimes, a letter from the Department of Motor Vehicles will inform you. At this point, you must notify your current agent of your situation to see if they will still be willing to carry your policy after considering the additional risk. If they decide to drop you, or you don’t have insurance to begin with, you will need to find a company that will sell you a policy

Who files the form?

Your authorized insurance agent files the SR-22 with the state on your behalf. It will take the Motor Vehicles Department about two weeks to send you an acknowledgment that your form is active. The turnaround time may be quicker if your state agency is using electronic submission forms

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SR-22 Car Insurance Simplified

When you have your license suspended after a major traffic violation, you will need to file an SR-22 certificate of financial responsibility to get back on the road. However, you will now be in a higher risk group due to your driving record. The nature of your offense and the state you reside in often determine the degree to which your driving record will suffer. For example, continually adding minor traffic violations and eventually triggering a license suspension may not affect it as adversely as a DWI.

Insurance carriers design SR-22 policies to accommodate the increased level of liability coverage you are required to carry. However, since this coverage is for increased required liability levels only, it does not automatically cover the costs associated with your injuries or damage to your vehicle. Full-coverage collision policies are also available to SR-22 drivers, usually at a higher rate.</p>

If you do not own a car, you will have to get non-owner SEO insurance. These policies allow SR-22 drivers to drive any vehicle to which they have access. However, if they are involved in an accident, it can be complicated to determine which insurance coverage will pay for what damages.

Monthly Cost of SR-22 Car Insurance

Unfortunately, now that you are in a higher risk category, you can expect to pay higher monthly auto insurance rates. The increased amount will depend on the severity of the incident that triggered your license suspension and how much the state raises your required liability coverage. You must shop around for the best rates. Expect to see significant differences in the amounts quoted to you by various insurance companies. This variance is because insurance providers all have unique rating factors that they put in place to target different market segments. Some companies specialize in working with SR-22 insurance and can sometimes offer you lower rates because they cover drivers in higher-risk categories. By getting quotes from as many providers as you can, you increase your chances of getting a better deal.

When does the SR-22 expire?

Your SR-22 usually remains active for three years. So as long as you keep your insurance policy in force, your SR-22 will stay in effect. However, if you let your coverage lapse, your SR-22 immediately becomes inactive. The time until your SR-22 expires stops when coverage is not in effect and resumes once a policy is put back in place.

Can I change insurance companies?

You are always free to shop around and check for better insurance rates. As you shop, be sure to indicate you need or have an SR-22 on file so that your potential new company or agent can find the best rates for your situation.

OfficialCarInsurance.com: Your Source for Quick and Convenient Auto Insurance Quotes

If you find yourself trying to get your license back after a suspension, you want the process to go as simple and hassle-free as possible. OfficialCarInsurance.com gives you the tools to find the right SR-22 insurance provider.

Our website allows users to see a side-by-side comparison of multiple insurance options. In addition, we only work with the nation’s top insurance providers, so you can always rest assured that you will end up with a safe and reliable company.

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Compare the best rates in your state with the OfficialCarInsurance.com