SR-22 Auto Insurance – The Ultimate Guide

When it comes to matters of the SR22, some people are in the know and others aren’t. Everyone knows that it has something vaguely to do with car insurance. They may think that they need it. They may bypass it. It’s one of those things that everyone has a clouded idea of what it’s all about. Of course, you may have heard it mentioned in passing among friends. Suddenly, you think that you need a certificate and don’t know how to get one, or you’re going to get into trouble with the law.

Serenity Insurance has put together a few great infographics that break down SR-22 Insurance:

sr22 insurance guide infographic

You don’t have to panic any longer. Not many people are aware of the SR-22 and whether they need it. That’s why we are here to give you the lowdown. So, even if you are a complete novice when it comes to the SR-22 insurance, you don’t have to worry any longer. We’ll fill in the blanks for you.

Do bear in mind that you may not need it. It’s not a compulsory insurance policy. As long as you are a sensible driver, and you are up to date with your insurance, as a whole, then you may never need the SR22 at all.

Sun Insurance Agency put together this video breaking down SR-22, start to finish:

You can call these folks at 888-353-0195 if you want a quote from them.

If you want to be in the know, here is the ultimate guide to SR22 car insurance. You can then make a savvy decision based on your needs.

Defining SR-22: What is SR22 Car Insurance And What Are It’s Costs?

Now, it’s time to cut to the chase. When it comes to the SR-22, the terms are loaded with jargon. We’ll try to cut through that so you have a greater understanding of this kind of insurance.

The SR22 is not a type of auto insurance per se. But, it is a verification policy if you will. This means that you have the required proof that you are maintaining your car insurance. The SR22 is a confirmation document that you are covered. Typically, the SR22 is deemed as a ‘Certificate of Financial Responsibility’. In the main, your car insurance provider will then certify to the DMV that your car is up to date with all of its insurance matters.

So, we’ve covered the basics. This kind of insurance is required by many states. If you have been found without the appropriate insurance or, you have suffered as a result of an accident you may have found yourself with the necessary insurance. Therefore, the state will issue an SR-22. Of course, advance notice is always given, and you will have the opportunity to contact your insurance provider. You will have a chance to rectify any issues that come up, and it’s vital that you do so. If you don’t follow up the requests from your insurance provider, you may find yourself issued with an SR-22. What is more, you could end up with a lack of insurance in the process.

What Does SR22 Cover?

The SR22 is not a coverage policy in any way. It is not meant to act as a replacement to your car insurance, nor does it mean that you can lapse on payments and coverage. But, depending on your state, you will need to have this document in place. You don’t have to do anything; your car insurance company will do this on your behalf. The SR-22 form itself essentially acts an assurance that you are a responsible driver.

If you have found yourself to be mandated in some way, you will need the SR22 form. When it comes down to car insurance coverage, you will need to check with your car insurance provider what coverage you are carrying. You may already know as you will have chosen your level of coverage. But, if there are some things that you are unclear on, check with your insurance company for clarification.

Typically, if you only have liability coverage, you may find that you have to have an SR-22 filed on your behalf.

An SR-22 Certificate: Do I Need One?

An SR-22 certificate is state dependent. So, it may be worthwhile investigating your own states laws and protocols. There are, however, some general guidelines that you can follow. There are some typical examples of why you will need this kind of coverage.

  • DUI and DWI: If you have been convicted of this and you have received a moving violation, you may need to confirm that you have an SR22 document in place.
  • Driving Without Insurance: Driving without insurance will require you to seek out an SR-22 certification
  • Repeat Traffic Offenders: Are you something of a repeat offender? Have you been in receipt of a lot of tickets over the course of a short time period? If so, you may find yourself in the position of needing this kind of insurance.
  • Suspended License: Should you have your license suspended or revoked, an SR22 may be required. This is so that you can get your license reinstated. Again, this is subject to your own states requirements, so do check before you commit.

What is the Most Affordable Option To Get Low Rates When it comes to SR-22 Insurance?

There are many affordable options when it comes to filing for an SR-22 insurance document. You need to make sure that you can pay for the initial filing fee, so finding the cheapest online options are helpful. Usually, this is a nominal amount and is not subject to high charges. When you come to renew your SR22 claim, you won’t have to pay this amount again. However, there are clauses. Should you let your insurance lapse and you don’t have the correct cover at some point during the three years you will have to pay the charge again. With this in mind, it makes sound financial sense to ensure that you are keeping up to date with your insurance matters.

However, all individuals have different circumstances. So, if you are required to have an SR-22 in your possession, you may find that a separate costing is needed.

Free Quotes for SR22 Insurance – Who Gives The Best Options?

There are many different companies that will provide free quotes when it comes to obtaining cheap SR-22 insurance coverage. You shouldn’t have to pay for a quote. So, if you are being careful with your cash, you can make sure that you are in receipt of a free quote by completing a simple Google search.

How Much Does SR22 Insurance Cost?

As you well know, all states will charge different prices. States like Floriday and California may be more expensive, where the lowest prices could be found in Texas or Colorado. Typically, cities like Chicago or San Diego go by the rules of their state. But to purchase an SR-22 coverage document, you are looking in the average range of $15 to $30 all in all. Of course, you need to make sure that you buy your car insurance policy, too.  Check with your insurance provider and your state DMV for more information. In many cases, you’ll need to see one of more bond providers as well.

Non-Owners and SR22 Car Insurance: What’s Next?

If you do not have a car, but you want to make sure that you have your driving license in place, you may need to file for a non-owners insurance policy. This means that you will have to get an SR22 filing in conjunction with this.

The SR-22, for non-owners, will ensure that you are covered for liability claims. You will also make sure that your car insurance is up to date. This is an excellent solution for those that are keen to make sure that they are reducing the overall cost of their insurance and driving license. Do be aware that if you go for a non-owners insurance policy then you must own a car. Yes, it seems commonsensical but this is the only way that you can qualify for this insurance.

How Can I Get SR22 Insurance?

The following companies offer SR22 insurance too. So, if you are keen to seek out this kind of policy, you can do via the listed vendors:

By contacting these companies, you can make sure that you are in a great position when it comes to your car insurance matters. Do ensure that you don’t let your car insurance lapse or defer when you have an SR22 in place. This can result in your license being revoked in its entirety.

Specific SR-22 Requirements By State

Different states have different requirements.  Contact us if you’d like specific information for your state.

Here are some links that may help as well:

How Long Do I Need to Have SR22 Insurance For?

The short answer is three years. But, you will need to update your records. Do ensure that you are continuously covered by your car insurance for the duration of the three-year period. Most states highly recommend that you have the SR22 insurance in place. What is more, they will ensure that this in place for a minimum of three years. Do bear in mind that if you default or defer on your insurance, you will not have the proper coverage. This could result in your license being suspended. After all, your insurance provider legally has to contact the DMV if you don’t have the appropriate insurance in place.

In Summary

Matters of insurance, particularly the SR22 can be confusing. If you believe that you meet, the criteria as outlined above you may have to seek out ways to obtain the SR-22 yourself. Remember, DUI and a lapse in insurance is a general framework for this kind of document. It’s not as complicated as one may imagine, and there is a wide range of companies that are happy to help you, the owner with your quest.

More Information

Here is a great infographic breaking down the regulations in Illinois:

illinois SR22 Insurance infographic