Cheapest SR22 Insurance

For drivers who have been convicted of certain offenses such as driving under the influence (DUI), reckless driving, or driving without insurance, they may need to file for an SR22 insurance form. SR22 is a certificate of financial responsibility that proves a driver has adequate coverage after a license suspension or revocation. However, this type of insurance can be expensive. In this article, we will explore the cheapest SR22 insurance options and how to obtain them.

What is SR22 insurance?

SR22 insurance is not a type of insurance policy itself; it is a certificate that proves a driver has adequate coverage after being convicted of certain offenses. It is also known as a certificate of financial responsibility. This certificate must be filed with the state’s Department of Motor Vehicles (DMV) by the driver’s insurance company.

A driver may need to file for SR22 insurance if they are caught driving without insurance or if they have been convicted of DUI, reckless driving, or any other serious traffic offenses.

How does SR22 insurance work?

When a driver files for SR22 insurance, their insurance company sends the certificate of financial responsibility to the DMV. This certificate proves that the driver has the minimum liability insurance required by the state. If the driver cancels their policy or fails to renew it, their insurance company is required to notify the DMV which could lead to the suspension of the driver’s license.

SR22 insurance is usually required for three years after an offense. It is important to note that SR22 insurance does not cover the driver’s vehicle; it only covers their liability if they are involved in an accident.

How to get the cheapest SR22 insurance?

Getting the cheapest SR22 insurance can seem like a daunting task, but there are some tips that can help drivers save money:

Compare quotes from multiple insurance companies

Just like with any other type of insurance, it is essential to shop around for the best rates. Drivers should obtain quotes from at least three different insurance companies before making a decision. This can help them find the cheapest SR22 insurance policy that meets their needs.

Look for discounts

Insurance companies may offer discounts to drivers who take defensive driving courses or who install anti-theft devices in their vehicles. Some companies may also offer discounts to those who bundle their auto and home insurance policies.

Choose a higher deductible

Drivers can choose a higher deductible, which means they will have to pay more out of pocket if they are involved in an accident. This can lower their monthly insurance premiums.

Maintain a clean driving record

Drivers who maintain a clean driving record and avoid any additional offenses may be able to obtain cheaper insurance rates over time.

Cheapest SR22 insurance companies

Below are some of the cheapest SR22 insurance companies:

It is important to note that the rates listed above are estimated based on the driver’s age, location, and driving record. Drivers should obtain a quote from each insurance company to get an accurate rate.

FAQ

What is the difference between SR22 and regular car insurance?

SR22 is not a type of insurance policy itself. It is a certificate of financial responsibility that proves a driver has adequate coverage after being convicted of certain offenses. Regular car insurance provides coverage for the driver’s vehicle and liability if they are involved in an accident, regardless of any prior offenses.

How long do I need to have SR22 insurance?

The length of time a driver needs to have SR22 insurance varies by state and offense. Typically, drivers are required to have SR22 insurance for three years after their offense.

Am I required to get SR22 insurance?

If a driver has been convicted of certain offenses such as DUI or driving without insurance, they may be required to file for SR22 insurance. Drivers should check with their state’s DMV to see if they need to file for SR22 insurance.

Is SR22 insurance expensive?

SR22 insurance can be more expensive than regular car insurance because it is often required after a serious offense. However, drivers can shop around and compare rates to find the cheapest SR22 insurance policy that meets their needs.

Can I cancel my SR22 insurance once it is filed?

Drivers are required to maintain their SR22 insurance for the length of time required by their state. If they cancel their policy or fail to renew it, their insurance company is required to notify the DMV which could lead to the suspension of the driver’s license.