Cheap SR22 Insurance: Everything You Need to Know

It’s no secret that insurance can be expensive, but if you need an SR22 filing, it can be especially pricey. That’s why it’s important to know your options when it comes to finding cheap SR22 insurance. In this article, we’ll cover everything you need to know about SR22 insurance and how to find budget-friendly options.

What is SR22 Insurance?

SR22 insurance is not actually a type of auto insurance policy. Rather, it’s a certificate that proves you have the minimum insurance coverage required by your state. This certificate is required for drivers who have been deemed “high-risk” and either lost their driving privileges or had their license suspended.

If you’re required to have an SR22, it means you’ll have to pay higher premiums to maintain the certificate. However, there are ways to find affordable SR22 insurance without sacrificing coverage.

How Do I Get an SR22 Filing?

If you need an SR22 filing, you’ll have to contact your insurance company and request that they add it to your policy. Not all insurance companies offer SR22 certificates, so it’s important to ask before you purchase a policy. If your current insurance company doesn’t offer SR22 filings, you may need to switch to one that does.

How Long Do I Need an SR22 Filing?

The length of time you’re required to maintain an SR22 filing depends on your state and the reason you’re required to have one. In most cases, it’s required for three years.

How Much Does SR22 Insurance Cost?

The cost of SR22 insurance can vary depending on several factors, including your driving history, age, gender, and location. However, you can expect to pay higher premiums than you would for a standard auto insurance policy. On average, an SR22 filing can increase your insurance premiums by around 50%.

How to Find Cheap SR22 Insurance

Just because you need an SR22 filing doesn’t mean you have to pay exorbitant prices for auto insurance. Here are some tips for finding budget-friendly SR22 insurance:

Shop Around

Don’t settle for the first insurance policy that offers an SR22 filing. Take the time to shop around and compare quotes from multiple companies. This will help you find the best deal on insurance without sacrificing the coverage you need.

Consider Lower Liability Limits

If cost is your primary concern, you may be able to save money by opting for lower liability limits. However, keep in mind that this will also mean less coverage in the event of an accident.

Take a Defensive Driving Course

Some insurance companies offer discounts to drivers who complete a defensive driving course. This can help lower your premiums and make SR22 insurance more affordable.

Improve Your Driving Record

If you maintain a clean driving record, you may be able to negotiate lower insurance premiums. Make sure to follow all traffic laws and avoid accidents to keep your record clean.

Bundling Policies

If you own a home, renter’s insurance, or require any other type of coverage, getting policies from the same provider can help you save money. Insurance companies typically offer discounts to customers who bundle their policies.

FAQ About Cheap SR22 Insurance

Question
Answer
Can I Get SR22 Insurance Without Owning a Car?
Yes, you can get a non-owner SR22 insurance policy. This policy will provide the minimum liability coverage required by your state and allow you to drive a car you don’t own.
What Happens if I Cancel My SR22 Insurance?
If you cancel your SR22 insurance policy before the required length of time is up, your license will be suspended again. You’ll also have to restart the clock for how long you need the SR22 filing.
How Can I Speed Up the Process of Getting an SR22 Filing?
If you need an SR22 filing quickly, you can use an insurance company that offers electronic filings. This will allow you to get the certificate within a few days.
Can I Get SR22 Insurance if I Have a DUI?
Yes, you can get an SR22 filing even if you have a DUI on your record. However, you’ll likely have to pay higher premiums and may be required to maintain the certificate for a longer period of time.
Will My Insurance Company Notify the DMV if I Cancel My Policy?
Yes, your insurance company is required to notify the DMV if you cancel your policy. This means your license will be suspended again, and you’ll have to restart the SR22 filing process.

Final Thoughts

While SR22 insurance can be expensive, it’s important to have the minimum liability coverage required by your state to protect yourself and other drivers on the road. By shopping around and following the tips outlined in this article, you can find budget-friendly SR22 insurance without sacrificing coverage.