SR-22 Insurance
Driving Unprotected Isn’t the Answer
Don’t Let an Imperfect Driving Record Keep you from Getting Behind the Wheel
We understand that losing your auto insurance policy, and subsequently the ability to legally drive, can be devastating.
From work obligations and running the kids to school, to simply running errands, you need an auto insurance policy that restores your driving privileges and meets the legally required state minimum liability insurance requirements and insurance coverage.
Financial Responsibility Puts You BACK IN THE DRIVERS SEAT
We Make it EASY for you to get a FAST Certificate of Financial Responsibility, no matter how high risk other providers say you are.
Fact is, life isn’t perfect, and your credit score and past driving history doesn’t have to be either.
We believe everyone deserves cheap car insurance that satisfies their state’s minimum SR-22 insurance requirements for auto insurance and financial responsibility.
The Certificate you need to get back on the road
Every state (with the exception of NH) requires you to have a minimum amount of bodily injury and property damage liability insurance on your vehicle in order to legally operate it on the road.
Yet, for those who may be needing high-risk insurance due to major traffic violations, DUIs or other offenses, getting help from a provider can be difficult. In some cases, the cost for high-risk coverage is very high.
As a leader in the car insurance industry, Insurance Navy is proud to offer affordable auto insurance rates on products such as SR-22 insurance, and liability insurance that helps get drivers back on the road without breaking the bank.
If you need help with an SR‑22 filing or have questions about an SR‑22 form, we’re here to help. Our customer service agents are friendly, knowledgeable, and passionate about helping you fulfil your SR‑22 requirement quickly and affordably.
Experience the Insurance Navy Difference
We know you have a lot of options when looking for SR‑22 insurance. If you need to get an SR‑22, we’d be honored to have you as a client.
As a customer-first company, we put people before profit, going above and beyond to ensure you have the dedicated and personalized support needed.
What Makes Us Stand Out?
Flexible policies and payment plans
Unbeatable service and support
Instant proof of insurance
Bad driving record? No problem!
Affordable car insurance quotes
Low Monthly Rates
Impressive coverage options
And more…
What is a Certificate of Financial Responsibility?
Different Names, Same Requirements
Most drivers who find out they need an SR‑22 insurance policy are unfamiliar with what it is or how to fill out a financial responsibility form.
An SR‑22, also known as a certificate of financial responsibility is a form of SR‑22 insurance that is often required for drivers who have been convicted of certain major traffic violations.
Is SR‑22 Insurance Considered a Policy?
This certificate is not actually a policy in the traditional sense, but rather proof that you have obtained and carry the required state minimum coverage from a provider.
If a court order says you need SR‑22 insurance, we can help get you obtain a car insurance SR‑22 bundle and proof of your SR‑22 filing to get compliant quickly and affordably.
Do I Need SR-22 Insurance?
Just because you’ve had some mishaps on the road, doesn’t necessarily mean that you will be required to obtain an SR‑22 or FR-44 insurance.
Although rules vary by state, obtaining this type of insurance form is usually determined by the court for those drivers who have serious driving violations on their record, including:
DWI or DUI
Uninsured accidents
Reckless driving
No matter which state you reside in, if an SR‑22 and FR-44 is required of you, your state’s DMV will notify you, usually by mail or during a court appearance.
Who Needs an SR-22 Filing?
Only certain drivers are required to carry SR‑22 insurance. Below is a list of the most common reasons a driver would need an SR‑22.
Bear in mind that each state has its own set of rules and regulations regarding who is required to obtain an SR‑22 policy.
If you have questions about your eligibility for car insurance or what may be required of you, don’t hesitate to reach out. Our team is standing by and eager to help you get the answers you need.
DUI or DWI Conviction
A DUI violation is the most common reasons that an SR‑22 is required by court order. A DUI occurs when drivers are caught operating a motor vehicle while under the influence of alcohol or drugs exceeding the legal limit.
Driving Without Insurance
This driving offense occurs when a driver is caught operating a vehicle without a valid insurance policy.
Reckless Driving
This violation is generally the result of a serious traffic offense. Reckless driving definitions do vary by state where thresholds range from 15 - 30 mph over the speed limit.
Severe At-fault Accidents
If found ‘at fault’ of a serious accident, such as one that results in significant damage and/or injuries or death, you may be required to obtain SR‑22.
Driving On Suspended / Revoked License
This offense refers to a driver caught operating a motor vehicle without a valid driver’s license or hardship license.
Multiple Traffic Violations
When a driver incurs multiple small infractions, such as speeding or other moving violations in short periods of time, they may be required to carry the SR‑22.
Does My State Require an SR-22?
We certainly don’t want you worrying about the coverage you don’t even need. Each state has it’s own minimum requirements with regards to who need an SR‑22.
If you are unsure of whether or not you have an SR-22 requirement, we can help. Reach out to one of our insurance agents today to find out everything you need to know about SR-22 insurance filing.
How Does the Process Work for Getting an SR22?
Once a court requires a driver to carry this certification, it is up to the driver to request their insurer to issue it.
If their insurance provider does not issue SR‑22’s, that driver will need to shop around for an insurance provider that offers SR-22 insurance quotes.
Once purchased from an insurance company (hopefully Insurance Navy) they will file the certificate with your state’s Department of Motor Vehicles, DMV.
Need an SR‑22?
With Insurance Navy we make the process for getting SR‑22 as easy as 1-2-3.
Enter your zip code for a free estimate
Provide us with a few other details such as your address and contact information
Choose the type of insurance policy you need
GET A FREE INSTANT QUOTE
It’s really that fast, easy and hassle-free. And if you have questions, our world-class service team is always on hand to help out.
How Much Does the Certificate Cost?
The good news is that SR‑22 coverage is highly affordable, ranging from low cost to no cost at all. However, needing SR‑22 car insurance may have a negative impact on the overall cost to insure your vehicle.
Will it Increase My Premiums?
If an SR-22 requirement is ordered by the court, it can increase your auto insurance premiums.
The extent to which having an SR‑22 will increase your insurance premiums will largely be dependent on major traffic violation, along with your type of vehicle, insurance history, location, driving record, and other factors.
High-risk drivers with a driving under the influence conviction can see their auto insurance rates rise by as much as 375% in North Carolina. 50 - 100% is the range of premium increase nationally.
When the SR‑22 requirement is removed, insurance premiums may decrease when you have a clean driving record.
Types of SR-22 Insurance Certificates
Non-owner SR-22 Insurance
Non-owner policies cover drivers in non-owned vehicles. This certificate is ideal for those who frequently borrow or rent cars from others and need liability insurance. This type of certificate is also useful for those who do not currently own a car, but are required by the court to have an SR‑22 filing prior to having their license reinstated.
Owner’s SR-22 Insurance
Covers cars owned by the policyholder. Any vehicle not listed on the SR-22 Insurance filing will not be covered.
Owner-Operator’s SR-22 Insurance
This comprehensive certificate provides coverage proof for all vehicles operated by the driver (i.e. you) regardless of whether or not you are the owner or just the operator of the vehicle.
How Long Does the Financial Responsibility Requirement Last?
On average, most states require drivers to maintain SR‑22 insurance for at least three years.
However, the time period that your state will require you to have an SR‑22 will depend on both the laws of your jurisdiction as well as the type and severity of your traffic violation that resulted in the license suspension or revocation.
Similar to car insurance, an SR‑22 insurance certificate must be renewed annually. If your SR‑22 insurance lapses or is canceled for any reason, the requirement will extend and you may face additional penalties.
What Happens If My Policy Lapses?
Failure to renew your policy prior to its expiration date is called a lapse in coverage. This is most commonly due to a failure to make payments. In such cases, your insurance company is required by law to notify your state’s DMV.
As a consequence, your state’s Department of Motor Vehicles generally revokes or suspends your driver’s license, in addition to imposing other potential state-specific filing fees or penalties.
Filing an SR-22 with the State
Who Submits the SR‑22 Filing?
Insurance Navy files the SR-22 forms with the state on your behalf. Just a little something we can do to make our customers' lives a little easier.
Where is SR-22 Filing Submitted?
When a court orders you to carry SR‑22 insurance, your first stop should be at Insurance Navy. As a leading insurance company for high-risk drivers with less than perfect records, we have the process of getting you your SR-22 down to a science.
Not only that, as your insurer we file all of the necessary paperwork with the state to ensure you are in full legal compliance and ready to hit the road at a moment’s notice.
