Insurance for SR22 – Everything You Need to Know

SR22 insurance is often required for drivers who have had their license suspended or revoked due to driving under the influence, reckless driving, or other serious traffic violations. If you fall into this category, it’s important to understand what SR22 insurance is, how it works, and how it can impact your driving and insurance costs.

What is SR22 Insurance?

SR22 insurance is a type of auto insurance policy that provides proof to your state’s Department of Motor Vehicles that you have the minimum required liability coverage. The SR22 form is filed by your insurance company to certify that you meet the state’s minimum insurance requirements.

Not all states require SR22 insurance, but those that do typically require it for a specified period of time following a serious traffic violation.

How Long Will I Need SR22 Insurance?

The length of time you will need SR22 insurance varies depending on the state and the reason for which it is required. In general, you may need to maintain SR22 insurance for anywhere from one to three years.

The clock starts ticking on your SR22 requirement from the date of your violation or conviction. Your insurance company will typically provide you with a renewal notice prior to the expiration of your SR22 policy, so it’s important to stay on top of your insurance payments and renewal dates.

How Does SR22 Insurance Impact My Insurance Premiums?

SR22 insurance can be more expensive than standard auto insurance policies due to the increased risk that you represent to the insurance company. However, the cost of your SR22 insurance will depend on a variety of factors, including your driving record, age, and the type of car you drive.

It’s important to compare quotes from multiple insurance companies to ensure that you are getting the best price possible on your SR22 insurance policy. You can also look for discounts, such as safe driver discounts or multi-policy discounts, to help lower your insurance costs.

FAQs

What Is the Difference Between SR22 and FR44 Insurance?

SR22 and FR44 insurance are both types of insurance policies that are used to provide proof of insurance to your state’s Department of Motor Vehicles. The key difference between the two is the level of coverage that is required.

FR44 insurance typically requires higher levels of liability coverage than SR22 insurance, which can make it more expensive. FR44 insurance is typically required for drivers who have been convicted of DUI or other serious traffic offenses.

Can I Get SR22 Insurance Without a Car?

Yes, you can get SR22 insurance even if you do not own a car. Non-owner SR22 insurance policies are available for drivers who do not own a vehicle but still need to meet their state’s insurance requirements.

Non-owner SR22 insurance policies typically include liability coverage for damages or injuries that you may cause while driving someone else’s car. However, they do not provide coverage for the vehicle itself.

What Happens if I Let My SR22 Insurance Lapse?

If you let your SR22 insurance policy lapse or cancel your policy, your insurance company is required to notify the state. This can result in the suspension or revocation of your driver’s license.

If you need to cancel your SR22 insurance policy, it’s important to make sure that you have a new policy lined up before you cancel your existing policy, to avoid any lapses in coverage.

Conclusion

SR22 insurance can be a daunting prospect for drivers who have had their license suspended or revoked. However, understanding how SR22 insurance works, how it impacts your insurance premiums, and how to stay on top of your SR22 requirements can help make the process easier.

If you need SR22 insurance, be sure to compare quotes and look for discounts to help lower your insurance costs. And remember, always drive safely and responsibly to avoid future traffic violations and the need for SR22 insurance.