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Cheapest SR 22 Auto Insurance Quotes + Best Companies That Offer It
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Tyron Jones is a finance expert who has operated within the auto insurance business for more than 10 years. He has written many other finance related articles for a number of prominent publications.
No one wants to pay more than they have to for car insurance. However, some people have to pay more than others because they require a special kind of insurance verification. In most states, this is called an SR22 form. Insurance companies offer SR22 insurance that assumes the need for this special form. This article will help you understand everything you need to know about insurance, SR22, and related high-risk insurance options. Use this information to get the best possible deal on car insurance.
Understanding SR22 Insurance
SR22 insurance isn’t that different from regular car insurance. The key difference is that, with SR22 insurance, the insurance company files a special form with the state government. This form, an SR22 in most states, but also called an FR-44 and other names, verifies to the state that you have insurance that meets the requirements laid out by a court decision. Looking up your state court directory will help you find the contacts you need to get these required forms.
SR22 insurance works in a similar fashion to standard auto insurance. You pay a premium and have a deductible. Once you meet your deductible, the insurance company covers any costs from claims against you up to the limits in your policy. As a result, you’re protected from liability for accidents and other mishaps that could occur.
Who Needs SR22 Insurance?
There’s a wide range of people that require SR22 insurance. The most common type of person that needs and SR22 is someone convicted of a major moving violation. That could be reckless endangerment, DUI, OWI, excessive speeding, or something similar, according to the local laws in the state where you live.
These drivers are considered to be “high-risk” because they’ve had issues in the past that have or could have resulted in serious damage or injury. As a result, these drivers are under closer state supervision when it comes to meeting car insurance requirements.
Depending on your particular case and the laws where you live, a judge can require you to have more than the standard state minimum liability insurance. They’ll also require you to prove you have insurance before you can get your license back. That means getting the right insurance coverage is essential to getting on the road again.
Some of the most common reasons people need SR22 insurance include:
- DUI – driving under the influence is a serious offense. It’s also the most common reason that people need SR22 insurance. This goes for drugs as well as alcohol, as operating a vehicle while intoxicated increases the risk you’ll damage someone’s person or property.
- Multiple Offenses in a Short Period – Getting multiple offenses in a short period of time can also result in an SR22. That’s because multiple offenses in a short period of time tell the government that you don’t take driving according to the law seriously. This raises your risk for an accident and causing damage.
- Driving Without Insurance – It is a crime in almost every state to drive without insurance. That’s because cars are expensive and can cause lots of damage to people and property. Most people don’t have the money to cover damages caused by an accident on hand. That’s why most states require you to have insurance.
- Negligent or Reckless Driving – Driving recklessly causes you to be a high risk to people and property. Many states require negligent or reckless drivers to get SR22 insurance to make sure they’re covered for any damages they cause.
- Reinstating License after Suspension – The second-most common reason people need SR22 insurance is when they are getting their license back after a suspension or revocation. Some states require you to go through a probationary period where you’re required to get SR22 insurance to demonstrate that you’re driving responsibly and to ensure you’re covered for any damages you might cause.
Non-Owner SR22 Insurance
Just because someone doesn’t own a car doesn’t mean they can’t be a high-risk driver. People that want a driver’s license after they’ve been convicted of a major moving violation will need SR22 insurance. This is true even if they don’t own a car.
This is actually a fairly common scenario. Oftentimes a judge will require an SR22 after someone was in an accident that totaled their car, leaving them without one. In order to get your license back you’ll still need insurance even though you don’t own a car.
With situations like these, the best answer is non-owners SR22 insurance. This special type of insurance covers a driver no matter what car they’re using. Moreover, getting non-owner insurance may be the only way you can get your license back.
One thing that’s important to note is that not every company offers non-owner SR22 insurance. That means you might need to do a bit of shopping or focus on insurance companies that specialize in helping high-risk drivers.
Getting Your License Back
The exact process for getting your license back depends on the rules in the state where you live and the judge’s decision in your case that required you to get an SR22 in the first place. At the very least you can expect to pay a reinstatement fee and any other fines associated with your case. However, one of the benefits of SR22 insurance is that the SR22 form can be immediately sent to the appropriate state department. That means you won’t have to wait too long to get your license back.
Once you complete your probationary period, the amount of time you’re required to have SR22 insurance, your insurance company will file an SR26 form. They’ll also file this form if your coverage lapses. The form essentially says that the insurance company is no longer financially liable for claims made against you while driving. If this form is filed before your probationary period is over, then you might face additional penalties. It also puts your probationary period on pause, so you won’t be working any time off your sentence.
How Long Are People Required to Have an SR22?
There are a lot of different factors that go into how long someone has to have SR22 insurance. Your lawyer can help you understand your specific case, but the amount of time changes from state to state and from case to case. An SR22 for a DUI might last five years, but one for excessive or repeated speeding might only last two.
It’s important to understand your requirements so you can ensure that you’re driving legally. That’s why it’s important to have continuous coverage. It’s also important to have continuous coverage because any lapse in your policy counts as a pause for your required SR22 time. That means if you don’t renew a policy and go a year without driving or without insurance, you’ll still have the same time requirement for an SR22 as you had when your policy expired.
Where Do You Get SR22 Insurance?
There are lots of options for people that are looking for SR22 or FR-44 car insurance. Most insurance companies will accommodate these kinds of customers. After all, all it takes from the insurance company is filing an extra form.
However, there are some car insurance companies, or even local branches of companies, that don’t cover SR22 drivers. You may need to shop around to find high-risk insurance. One of the best options in this case is to focus on insurance companies that specialize in insuring high-risk drivers. These insurance companies will have the knowhow to help you get the right insurance policy for the right price.
Understanding the Price of SR22 Insurance
One of the biggest concerns people have about SR22 insurance is the cost. This makes a lot of sense. After all, insurance is a risk-based industry. Being labeled as a high-risk driver by the state means the cost of your insurance will go up.
However, everyone’s case is different. Someone with three DUI’s will have a higher insurance rate than someone with one DUI, even if they both are required to have SR22 insurance. Since all of these cases are unique, there isn’t very good data about how much SR22 insurance costs on average.
One cost that is fairly consistent is the filing fee that SR22 drivers pay. This fee is charged by the insurance company for filing the SR22 form. The fee ranges between $17 and $45, depending on what state you live in.
One nice thing is that you should only have to pay the filing fee once. If your insurance automatically renews, then the company won’t charge you for an additional filing. However, if your coverage lapses, then you will be on the hook to pay the filing fee again as part of your proof of insurance for the state.
Lowering SR22 Insurance Costs
One of the biggest issues with an SR22 or a FR44 is that it labels you as a high-risk driver. That means insurance companies can and will charge higher rates to insure you. However, there are steps you can take to lower the cost of your insurance with an SR22.
The first step is easy – drive safely. The longer you go without an at-fault accident or ticket, the lower your insurance costs will be. That’s because you’re proving to the insurance company that you’re a lower risk, and thus deserve a lower price.
Another common way of lowering the cost of SR22 insurance is to take advantage of discounts provided by your insurance company. Every insurance company offers discounts for taking driver education or defensive driving courses. These courses can be a great way to relearn how to drive safely, which lowers the chance you’ll be in an accident. As a result, they’re also a great way to save money on your SR22 insurance.
Students required to get SR22 insurance can also see if their insurance company has a good grades discount. Many insurance companies offer these discounts because research tells them that people that are getting good grades are less likely to be in an accident or have a claim filed against them.
FR-44 – Similar to an SR22 But A Bit different
The main difference between an FR-44 and an SR22 is that an FR-44 is used only in Virginia and Florida. It mandates a new set of minimum liability coverage you must have in order to be considered compliant with the state liability requirements. This new limit will be higher than the standard state limit.
FR-44 insurance requirements are given to people that are convicted of a DUI and/or driving on a suspended license. Each case is different, so judges or the state let drivers know which form is needed. They also determine how long a driver needs to have FR-44 or SR22 insurance.
Drivers needing FR-44 insurance can expect a steep increase in their insurance costs. Florida serves as a good example. Normally, a driver needs to carry $10,000 in bodily injury and property damage liability coverage. An FR-44 driver will need to carry between $100,000 and $300,000 in liability coverage for bodily injury and $50,000 property damage. That means you need 5 to 30 more times insurance coverage. That doesn’t necessarily mean you’ll be paying five to 30 times as much for insurance because of the way insurance scales, but it will still result in a substantial increase.
Another issue with FR-44 insurance is that some insurance companies require you to pay for the whole policy upfront. That’s because state law doesn’t allow these policies to be canceled partway through the term. Charging you upfront protects the insurance company from having to cover someone who isn’t paying their bill.
SR22 Insurance and You
As you can see, there’s a lot to know about SR22 car insurance. If you or someone you know needs SR22 insurance, don’t panic. It’s not the end of the world. You should expect the cost of car insurance to go up, but it shouldn’t go up so much that you can’t afford to drive anymore.
Additionally, SR22 insurance is only required for a limited period of time. That means if you drive safely and responsibly, you’ll eventually be done with your SR22 requirement. You can get SR22 insurance from most insurance companies, but some might require you to pay for the full term upfront. The important thing to keep in mind is that by driving safely and responsibly, you can move past your SR22 insurance requirement and earn cheaper car insurance.
General SR22 Questions
This section covers general information you need to know about SR22 insurance.
What is an SR22 insurance?
SR22 insurance is a special type of insurance you may be ordered to get if you are found to be a high-risk driver by a court of law.
How to get SR22 insurance?
You can get SR22 insurance the same way you get other insurance policies. Shop your area for an insurance provider, compare quotes, and pick the best policy.
Where can I get SR22 insurance?
You can get SR22 insurance from many places. The General, Geico, and State Farm are popular online options or you can visit local agents. Related: How much auto liability insurance do I need?
How long do you have to have SR22 insurance?
The exact amount of time you need SR22 insurance depends on your specific case and state. You should talk to a lawyer for more information.
How does SR22 insurance work?
SR22 insurance works just like normal insurance. The difference is that the insurance company files an SR22 form with the state that verifies you are carrying at least the state minimum amount of car insurance.
What insurance companies offer SR22?
There are lots of options for SR22 insurance. State Farm, The General, Nationwide, and Progressive are popular choices. Others to consider are AAA, USAA, Allstate, Root, Dairyland, Farmers, Liberty Mutual. Some of these same companies offer other products like per mile insurance too.
How do I know if I need SR22 insurance?
If you’ve been convicted of a serious driving offense, then there’s a good chance you’ll need SR22 insurance. Your lawyer can help you understand the outcome of your case.
What does SR22 insurance stand for?
SR22 is the name of the form that the insurance company files with the state to verify that you’re maintaining coverage. Some state and local governments have a different name for it. Source: Piper Info Resources.
How do I get SR22 insurance without a car?
You’ll need to find non-owner SR22 insurance. However, you may be exempted from this requirement if you don’t have a car.
What requires a person to have SR22 insurance?
Convictions for driving offenses like DUI are the most common reason people need SR22 insurance.
What is SR22 motorcycle insurance?
SR22 motorcycle insurance is a special type of insurance where the company files a form with the state to verify that you’re covered.
What states require SR22 insurance?
What does SR22 insurance cover?
SR22 insurance covers at least the state minimum liability insurance in your state, just like standard insurance. Though car insurance for bad drivers will be more expensive it is possible to find lower rates doing comparison shopping. If you need an insurance full coverage price quote just enter you zip code above.
When can I start driving after receiving my SR22 insurance?
You’ll need to talk to your lawyer or a court representative to get information about your specific case and when you’re allowed to drive again.
How long do you need SR22 insurance after a DUI?
It depends on what state you live in and your specific case. Generally, people need an SR22 for between 3 and 5 years after a DUI. To get relatively cheap DUI insurance you will need to compare quotes from multiple insurance carriers.
SR22 Insurance in Specific States
We’ll answer common questions about SR22 insurance in different states in this section.
What is SR22 insurance in Ohio?
SR22 insurance is a special type of insurance where your company files an SR22 form with the state to verify you have the coverage you need.
What is SR22 insurance in Washington state?
SR22 insurance is a kind of insurance you can be required to get if you’re convicted of serious driving violations.
What is SR22 insurance in South Carolina?
SR22 insurance in South Carolina is the same as SR22 in other states – it’s a type of insurance where the company reports your insurance status to the state to verify you’ve got the required coverage.
What does SR22 insurance look like in Nebraska?
SR22 insurance looks like normal insurance. The difference is the company files an SR22 form to verify with the state that you have the minimum required coverage.
What is SR22 insurance in GA?
SR22 insurance in GA is a special insurance product where the insurance company reports your insurance status to the state to ensure you keep coverage.
What is SR22 insurance in Missouri?
SR22 insurance in Missouri means that you need an insurance product where the company files an SR22 form with the state each month to verify you have insurance coverage.
What is SR22 insurance form in Minnesota?
The SR22 form is the form that insurance companies submit to the state of Minnesota to prove you have the insurance coverage you need.
What is SR22 insurance in Florida?
SR22 insurance means that your insurance company files a form with the state to verify you have at least state minimum insurance coverage for high-risk drivers.
How much is SR22 insurance in TN?
There’s no information on the price of an SR22 policy in TN because the policy price varies so much according to the individual driver.
How much is SR22 insurance in California?
California’s SR22 insurance cost isn’t clear because every driver will have very different costs based on their driving record.
How much is SR22 insurance in Texas?
You’ll need to talk to an agent or get a quote online. There’s no average price information for SR22’s in Texas as the cost changes so much between different drivers.
How much is SR22 insurance in Utah?
SR22 insurance in Utah is generally between 30% and 100% more than your standard insurance policy depending on your specific situation. Keep in mind that car lease insurance may have different requirements too.
How much is SR22 insurance in Illinois?
In the state of Illinois an SR22 policy can cost between 30% to 100% more than your current insurance policy according to different factors that go into the price. Related: How to lower my car insurance?
How much is SR22 insurance in Ohio?
The price of SR22 insurance in Ohio changes from driver to driver. Your best bet is to get a quote that’s specific to you. Some have asked if there's such thing as 0 down auto insurance and we discuss that in another article but chances are slim with this type of insurance.
How much is SR22 insurance in Wisconsin?
Wisconsin SR22 prices vary wildly depending on circumstances. You should talk to a local agent or get quotes online for more specific information.
How much is SR22 insurance in Oregon?
It’s hard to tell the average price of SR22 insurance in Oregon because the price of individual policies changes so much. You should get an individualized quote to get a better idea on the cost.
How much is SR22 insurance in Tennessee?
An individualized quote is the best way to determine the cost of SR22 insurance in Tennessee as the price of a policy can change a lot from driver to driver.
How much is SR22 insurance in Indiana?
Indiana SR22 insurance prices change according to each person’s driving record and situation. You should talk to an agent or get quotes online for more specific information.
How much is SR22 insurance in Missouri?
Getting an SR22 insurance policy in Missouri will generally cost between 30% and 100% more than your average policy.
How much is SR22 insurance in Arizona?
You can expect to pay between 30% to 100% more than your previous insurance rate to get SR22 insurance in Arizona.
How much is SR22 insurance in Colorado?
SR22 insurance in Colorado doesn’t have an average price because each policy is dependent on a driver’s individual record. You’ll need a personalized quote for more information.
How much is SR22 insurance in Iowa?
SR22 insurance in Iowa can cost between 30% and 100% more than your current policy, depending on your specific circumstances.
Where can I get BBB approved non owner SR22 car insurance?
The General, State Farm, and Progressive are the three most common SR22 insurance providers. If you need something on a more local level we've provided an abbreviated directory for just such purpose.
SR22 Insurance Prices
This section answers the most popular questions about SR22 insurance prices.
How much does SR22 insurance cost a month?
It’s hard to get an idea on the average cost of SR22 insurance per month because there are too many variables at play. Expect to pay between 30% to 100% more for insurance with an SR22. So it is wise to get multiple insurance quotes to get the lowest rate.
How much is SR22 insurance?
SR22 insurance will cost between 30% and 100% more than your previous policy depending on your case specifics. When you go to shop auto insurance rates be sure to compare a variety of companies to get the best deal.
Who has the cheapest SR22 insurance?
Different companies have cheaper insurance in different states. The General, State Farm, and Progressive are usually solid choices for SR22 insurance. Its best to get in touch with someone locally about this more specialized insurance type.
How much will an SR22 increase my insurance?
You can expect the cost of your insurance to go up between 30% and 100% when you add an SR22. A DUI can definitely make car insurance expensive and its one of the consequences people aren't usually aware of.
What is the average price of SR22 insurance?
There’s no average price of SR22 insurance available because each policy is so different due to different situations with each case. Take a look at average auto insurance rates by zip code when you decide to get a quote.
Other SR22 Questions
We’ll cover questions that don’t fit into our other categories here. Check here if you can’t find your question elsewhere.
How do you add on SR22 to Geico insurance?
You’ll need to talk to your Geico representative to find out how to add an SR22 to your insurance policy. If this is required for further vehicle usage its important to talk to them as soon as possible.
How can I check if I need SR22 insurance?
You’ll need to talk to your lawyer to see what the court requirements are for your specific case.
How to unsuspend your license when you need SR22 insurance?
There’s no single answer to this question. You’ll need to talk to an attorney about your specific case. This may or may not require time in court.
How often does insurance company have to file my SR22?
Insurance will file your SR22 with the state you live in every month to verify your insurance. Related: Why does car insurance go up?
Is SR22 insurance required when getting a license after being convicted of an OWI?
In most cases, yes. However, you should talk to your lawyer to see what’s going on with your specific case. State legislatures have created specific laws and requirements for these types of issues that are specific to each state.
When should I notify my insurance dui arrest SR22?
You should notify your insurance company according to the advice you get from your lawyer regarding any DUI arrests.
What should I do if my insurance agent fails to provide me with my SR22 requests?
You’ll need to talk to your state’s insurance infrastructure to find out what your options are. The Department of Insurance is a good place to start.
How to fight SR22 insurance?
A lawyer is required to fight SR22 insurance. You’ll need to talk to an attorney to see what your options are in your case. We also have no statistics on how often this approach succeeds.
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