Affordable SR-22 Insurance Quotes
Same Day SR-22 Filing with the DMV. We accept all Driving Records.
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Driving Unprotected Isn’t the Answer
Do you have a less than stellar driving record? Has that lead foot resulted in one too many speeding tickets? Have you been involved in multiple accidents or even a DUI? Are you unable to qualify for regular car insurance with your usual provider?
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.
Types of SR-22 Insurance Certificates
Depending on your vehicle ownership status, there are three types of SR-22 certificates available. Insurance Navy can help you every step of the way to get your SR-22 certificate filed.
Non-owner SR-22
Owner's SR-22
Owner-Operator's SR-22
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
Driving Without Insurance
Reckless Driving
Severe At-fault Accidents
Driving On Suspended / Revoked License
Multiple Traffic Violations
Experience the Insurance Navy Difference
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
- Extensive coverage options
- And more…
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.
Ready To Get A Quick Quote?
Fast Quotes
No Hidden Fees
Instant Proof of Insurance
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SR-22 Frequently Asked Questions
What is a Certificate of Financial Responsibility?
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.
How Much Does the Certificate Cost & Will It Increase My Premiums?
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.
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.
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.
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.
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.
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.