The Cheapest SR22 Insurance

Driving under the influence of drugs or alcohol is not only dangerous but also illegal. If you have been convicted of a DUI, you may need to obtain SR22 insurance. This type of insurance is a certificate that proves you carry at least the minimum required amount of car insurance. In this article, we will discuss the cheapest SR22 insurance options that you can consider to get back on the road legally.

What is SR22 Insurance?

SR22 insurance is not a type of car insurance. It is a certificate that you have to file with the state to prove that you have the minimum required auto insurance. If you have been convicted of driving under the influence, driving without minimum required car insurance, or involved in an accident without insurance, you may need to get an SR22 certificate to get your license back.

SR22 insurance is typically required for a minimum of three years but can vary depending on the state you live in and the severity of your offense. Once your SR22 coverage period is over, you can purchase traditional auto insurance.

The Cheapest SR22 Insurance Providers

Many insurance companies offer SR22 coverage. However, finding the cheapest SR22 insurance provider can be challenging. Here are the top SR22 insurance providers that offer affordable rates:

Progressive

Progressive is known for its affordable auto insurance rates, and it’s no exception when it comes to SR22 insurance. The company is available in all fifty states and offers SR22 coverage to drivers who have had DUIs, accidents, or other serious violations on their driving record.

Progressive’s monthly premiums are as low as $45, making it the cheapest SR22 insurance provider. However, the coverage limits might be lower than what other insurance providers offer. The company also offers a variety of discounts that can help you reduce your monthly premiums, including bundling multiple insurance policies, paying in full, and having a good driving record.

Geico

Geico is one of the most popular insurance providers in the United States. The company offers affordable SR22 insurance rates to drivers who have been convicted of a DUI, reckless driving, or other serious traffic violations. Geico’s monthly premiums start at $55, making it one of the cheapest SR22 insurance providers.

Geico offers a variety of discounts that can help you save money on your SR22 insurance premiums. These include bundling policies, paying in full, having a good driving record, and completing a defensive driving course.

Nationwide

Nationwide is a well-known insurance provider that offers affordable SR22 insurance rates to drivers who have been convicted of a DUI or other serious driving violations. The company’s monthly premiums start at $61, making it one of the cheapest SR22 insurance providers.

Nationwide offers a variety of discounts that can help you save money on your SR22 insurance premiums. These include bundling policies, having a safe driving record, and completing a defensive driving course.

FAQs

What is the difference between traditional car insurance and SR22 insurance?

Traditional car insurance is a type of coverage that pays for damages or injuries caused by an accident. SR22 insurance is a certificate that proves you carry at least the minimum required amount of car insurance. If you have been convicted of a DUI or other serious traffic violation, you may need to file an SR22 certificate with the state to get your license back.

How long do I need to carry SR22 insurance?

The length of time you need to carry SR22 insurance varies depending on the state you live in and the severity of your offense. Typically, you need to carry SR22 coverage for a minimum of three years.

Will my insurance rates be higher with an SR22 certificate?

Yes, your insurance rates are likely to be higher with an SR22 certificate. This is because SR22 coverage is typically required after a serious traffic violation, such as a DUI or reckless driving. However, you can still shop around to find the cheapest SR22 insurance provider.

Can I switch SR22 insurance providers?

Yes, you can switch SR22 insurance providers. However, it’s important to make sure that your new provider offers SR22 coverage before you cancel your existing policy. You also need to file a new SR22 certificate with the state if you switch providers.

What happens if I cancel my SR22 insurance policy?

If you cancel your SR22 insurance policy before your coverage period is over, your insurance company will notify the state. This could result in the suspension of your license and may require you to start the SR22 process over again.

If you need to obtain SR22 insurance, there are many affordable options available. By shopping around and comparing rates, you can find the cheapest SR22 insurance provider that best suits your needs. Remember to always drive safely and within the law.