What Determines My SR22 Rates


Determining SR22 Rates

Firstly, to complete an accurate SR22 quote and get an accurate rate, Insurance Navy needs the following information.

First and last name

First and last name provided will be compared to the driver’s license information and driving record to confirm an applicant’s identity.

Phone number

The number you provide is on file for courtesy payment reminder calls and courtesy policy renewal calls.


An email will be on file to send you newsletters and information about special promotions or events.

Date of birth

Young drivers usually pay more to obtain an SR22.


Women have fewer car accidents compared to men and pay less for their SR 22s because they are lower risk. Males are also statistically more aggressive drivers.


With an address Insurance Navy, can find the rate of stolen cars, vandalism and claim numbers filed in that particular region. If you own a home, you may benefit from lower rates.

Employment information

Insurance Navy will ask for employment information for a few different reasons. Some professions are linked to lower accident rates. Insurance Navy also wants to ensure the vehicle used is not for work-related activities.


If you have a car, you will need the VIN. A VIN is a car’s 17 digit identification number. It tells our agents information like the body style, braking system, engine type, series of vehicle, restrain system, recalls and more.

Marital status

Every quote requires marital status. Marital status will not affect an SR22.

Driver’s license and driving record

*Insurance Navy will need to verify driver licenses. If drivers do not have a driver’s license, they can still obtain an SR 22.

More Information

Do you have additional questions about SR22 rates, insurance requirements, or car insurance quotes? Our agents and customer service representatives are here to help with your car insurance company needs. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. Because we care about your convenience, our offices open from 8 a.m. to 9 p.m. CST. Moreover, they are open 7 days a week.

We also have a strong presence on social media, so like or follow us on Twitter, Facebook, Instagram, or Pinterest. After that, we can keep you updated on helpful topics and local news.

Lastly, we also have blogs that may help you with any questions you have. For instance, our blogs cover many different topics. From how to keep your car cool in the summer, to proper steps to take after Godzilla damages your car.