In a perfect world, you would never need to carry an SR22 from your
insurance provider, but we get it, accidents happen. There are certain
violations that can cause the state to require you to carry an SR22 and
finding an insurance company that understands the process is important.
You’re likely looking for any possible way to avoid the dreaded
paperwork and fees associated with the SR22 insurance process. In order
to get back on the road, you need to understand exactly what an SR22
insurance form is, the associated costs, how long you need to be
covered, and how you can apply for one.
With our help, you can get your driving privileges reinstated sooner
than you think. Although your insurance rates may rise for a certain
time period, there are ways you can lower your insurance premiums
depending on your specific case. A clean record is the fastest way to
stay insured and lower your rates in the future.
The Definition of SR22 Insurance
Technically, SR22 is not a type of insurance, but rather,
an additional document necessary for government filings after a
serious traffic-related offense. An
SR22 insurance addendum
proves that your insurance policy meets your state’s minimum
insurance requirements for a specified amount of time. There are three
different types of SR22 insurance options, depending on the ownership
- An owner policy covers all the vehicles you own and proves that you
own an insured vehicle. If the reason you need SR22 insurance
certification is because you don’t have insurance, you’ll
need to get
before filing an SR22 insurance form.
A non-owner policy can be more affordable than the traditional owner
policy. If you don’t own a car, but still drive other vehicles,
this policy will satisfy minimum state SR22 insurance requirements.
An owner-operator policy covers all the vehicles you own and
don’t own if you’re driving them. This type of policy is
the most comprehensive of the bunch. It may be the best option if you
drive company vehicles or cars that are not in your name.
Who Needs SR22 Insurance?
SR22 insurance forms often have a negative stigma associated with them.
Many people may mistakenly believe that only drivers with DWI/DUI
convictions need an SR22 insurance form. The truth is that SR22
insurance can be required for many different reasons
depending on which state you live in.
a judge will inform you that you need an SR22 insurance form or
similar form of documentation. These are some of the most common reasons
for getting an SR22 insurance policy.
A DUI or DWI conviction can involve more than a fine and court fees.
Your license could get suspended. You’re also likely to pay
higher insurance premiums since you’ll be considered a
“high-risk driver.” In extreme cases, your insurance
company may even choose to drop your coverage altogether, all of which
goes on your record.
Serious moving violation consequences vary by state. Reckless driving
like speeding over the limit can come with thousands of dollars in
fines and jail time in some states. Rising insurance premiums would be
the least of your worries.
Driving without insurance or a license can trigger fines, an arrest,
and points on your driving record. You can even get your vehicle
An at-fault accident while driving without insurance shoulders all the
cost of damages on you. Insurance coverage typically pays for some
portion of the damage, but if you don’t have insurance,
you’ll need to cover all property and medical expenses alone. In
addition, you may also face fines, license suspension, and jail
Driving with a revoked or suspended license can result in fines and
jail time, with increased consequences for repeat offenders.
Repeat traffic offenses may result in a ticket, fine, and points on
your license. If you get enough points, you may end up losing your
Receiving many tickets in a short time period inevitably results in
insurance premiums going up, license suspension, and jail time. Your
state may label you as a “repeat offender.”
SR22 Insurance Rates and Premiums
Unlike the fees and fines associated with traffic-related offenses, an
SR22 insurance form requires a
nominal fee of about $25. Your insurance company may
charge this amount to fill out the form for you. The SR22 insurance form
fee is relatively small compared with the possible increase in insurance
premiums and additional associated costs. Just remember,
some states or insurers will require you to pay the rate in full
if you require an SR22 insurance form.
The Average Rising of Rates Due to SR22 Insurance
The SR22 insurance form itself does not cause an increase in your
insurance rates. Instead, the higher premiums are adjusted by your
insurance provider due to the infraction. Because SR22 insurance
companies assume the risk when they cover your vehicle, they will
consider your driving record and credit report to determine your
Tips to Lower SR22 Insurance Rates with the Insurance Company
There are a few ways that you can
lower SR22 insurance rates
with your insurance company. You can choose a policy with a high
deductible, but keep in mind that you will have to cover the high costs
if you get in an accident. You can also choose to insure a low-risk
vehicle without aftermarket modifications. Although driving a motorcycle
has some risks, driving one could be cheaper to cover under motorcycle
insurance. Here are a few other ways to reduce SR22 insurance rates with
- Ask for a discount. Some insurance companies may
provide you with a percentage off your SR22 rate if you fall under a
certain age bracket, have good grades, or own a certain type of
- Pay up front. A few companies may offer a lower
annual rate if you pay in one lump sum compared to monthly
- Maintain a good credit score. Insurance companies
consider credit scores when determining your SR22 insurance rate. Make
sure to check your score to ensure there are no inconsistencies that
may affect your coverage.
For How Long Do You Need SR22 Insurance?
In states that require you to get an SR22 insurance certification after
a qualifying traffic violation, you will need uninterrupted coverage for
a period of time between one and five years depending
on your specific state and your traffic offenses. If there’s any
lapse in coverage, your insurance company is legally required to notify
the DMV. The update can add on penalties or get your license suspended.
Additionally, you may have to start your SR22 insurance coverage again
from the beginning.
Different State Requirements for SR22 Insurance
The length of coverage differs by state. Some states vary the coverage
requirements according to the type of offense. To
complicate things even more, state regulations differ on when your
coverage time period starts. States could start the clock on the date of
conviction, the date of the violation, the suspension date, or the date
you get your driving privileges back.
Most states require
a minimum SR22 insurance filing period of three years, although
there are some exceptions.
In Tennessee, an SR22 can be required for five years from the date of
suspension. It is possible for the SR22 to be cancelled if it is filed
for a total of three years within the five year period, as long as it
is not required for any other suspension.
In Georgia and Illinois, you’re required to file an SR22 and
maintain coverage for three years but the length of time may vary
depending on the violation.
Some states like Florida and Virginia require a different form called
FR44 that shouldn’t be confused with an SR22. An FR44 is required
when you are trying to regain your driving privileges after a DUI or DWI
conviction. Both documents are
proofs of financial responsibility
with insurance companies. States like Delaware and Maryland require the
FR19 form in addition to the SR22 insurance policy. An FR19 certifies
that you have had insurance during a previous time period. The following
states don’t require SR22 insurance coverage, but instead,
have their own insurance requirements:
- New Mexico
- New York
- North Carolina
Moving with SR22 Insurance
Moving when you’re required to have SR22 insurance coverage is
fine as long as you adhere to your specific state’s laws. Some states won’t require any further actions if you move,
while others may inform you that you’ll need a different SR22
insurance policy based on your current state’s laws. Most of the
time you’ll still be
required to maintain coverage in the state where the
violation was committed. That may mean that you’ll need to get
out-of-state coverage from a nationwide auto insurance company.
If you move to a state that doesn’t require an SR22, then you can
still provide the requesting state with proof of insurance. Work with
the state to get approval on providing a certified document instead of
an SR22 insurance policy. This alternate document should prove that your
policy meets or exceeds the requesting state’s
Can You Avoid SR22 Insurance?
There is no way to avoid an SR22 unless you live in a state that
doesn’t require one. SR22s will follow you wherever you
go if you commit a qualifying offense. The best way to avoid needing an
SR22 insurance policy is to simply
follow the rules of the road. Being a low-risk driver
ensures that your insurance premiums don’t increase. Some insurers
will even offer a discount if you proactively take a defensive driving
class. Here are a few ways to avoid getting an SR22.
Avoid multiple offenses in a short period of time. Multiple points on
your record can add up to require an SR22 insurance form by the DMV.
Points can be obtained from speeding violations, leaving the scene of
an accident, or running a stop sign.
On top of avoiding violations, you should also stay on top of paying
your tickets to avoid needing SR22 insurance.
Finally, you should maintain the minimum or higher levels of auto
insurance in your car at all times.
How to Apply for an SR22
You’ll know you need SR22 insurance coverage if you’re
contacted by the court or state. The official notification will include
the reason you need to get an SR22, insurance requirements, and the
length of time the state is requiring you to carry an SR22.
It’s important to choose a company that can file an SR22 insurance
form for you. You can seek a non-owner policy from a different company if your insurer doesn’t offer an SR22, but
still want to keep your primary policy. Your SR22 insurance coverage
would require the same limits of liability as your main policy.
Keep in mind, SR22 insurance certificates can take up to 30 days to
receive. After paying for the certificate, an SR22 will be submitted to
the Secretary of the State for the state that requires it. The entire
approval process can take up to 30 days to complete. That means you
won’t be able to regain your driving privileges until the SR22
insurance filing process is finalized in the system.
If you’re required to get an SR22, it’s important that you
know your specific state’s laws. Every state will have a
different way of handling SR22 insurance. Knowing the state laws ensure
you remain compliant and prevents license suspensions. To get the best
high-risk car insurance quote, speak with one of our
licensed insurance agents
for all of your SR22 needs. We can help you stay insured so you can get
back to paying normal rates in no time.