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SR-22 Insurance: What is an SR-22 and how does it work?

What is SR-22 Insurance?

Who Needs SR-22 Car Insurance?

An SR22 requirement typically is required following being convicted of a major traffic violation.

Some states may require them after other circumstances, but in general, committing one of the following offenses may also call for an SR22 filing:

  • DUI - This is one of the most common reasons a driver may find themselves needing an SR22. A DUI conviction follows driving while intoxicated or driving under the influence of drugs which greatly impacts the driver’s ability operating a vehicle.
  • Driving Uninsured - If you cannot provide proof of insurance, a financial responsibility requirement will force you to obtain the proper auto insurance coverage. Driving uninsured is illegal in nearly every state.
  • Reckless driving - Driving negligently or recklessly may also lead to you being convicted of a traffic violation and thus call for an SR22. The concept of reckless driving can include speeding or ignoring road signs.
  • At-fault accidents - Depending on the severity of an accident, if you have been found at fault for a collision, you may also be ordered by the courts to maintain an SR22 for a set period of time.
  • Multiple driving offenses - Those who rack up multiple smaller traffic violations in a short amount of time may need to file an SR22. This can happen after receiving a number of parking tickets in a short period of time, for example.

How Does SR-22 Insurance work?

If a driver needs to file an SR-22, they will receive a court order notifying them of such a requirement. It is then your responsibility to pass along such information so it can eventually end up in the hands of your state’s Department of Motor Vehicles (DMV) or BMV.

Outlined below is a step-by-step guide to an SR-22 car insurance filing.

  1. You receive notice you are required to file an SR-22 with the state.
  2. Inform your insurer you need SR22 insurance.
  3. Your insurer will fill out the paperwork and then go on to file it with the state.
  4. Your state recognizes you carry the mandatory minimum liability insurance.

You may find that you can run into some issues if your agency is not licensed in the state requesting an SR-22 certificate. This may happen if you end up in an accident in another state or move following a traffic violation.

Just because you are in a different state does not mean your SR-22 requirements vanish. If your insurance company is not licensed in the state requesting the SR-22, you will have to personally submit the form with that state’s DMV.

If the process is overwhelming, do not be afraid to contact the state’s Department of Motor Vehicles or your agent for assistance. Make sure you have everything filed properly in the case for when you may need to present proof of insurance.

SR-22 Costs

How much an SR-22 filing costs varies by state. In general, drivers pay about $25 for filing SR-22 insurance. But this can fluctuate depending on where you are and the insurance provider you have.

An SR-22 is relatively cheap and gets attached to your preexisting policy, assuming you already have one. If you are dropped from your provider or never had car insurance, you have some choices to make when it comes to finding the best rates.

Shopping around can help give you an idea of where to find affordable SR22 insurance, as rates vary by company. Fulfill your state’s requirements should be a priority, but you want to find a quote with a policy that is affordable. With nearly every company offering a quote online, your chances of finding a great policy at an even better rate may increase.

Will an SR-22 affect my insurance cost?

Yes. Having an SR-22 requirement labels you as a high-risk driver since they are only mandated following a severe traffic violation. If an SR-22 certificate alone doesn’t raise your rates, you may find that the traffic violation on your record certainly will.

Either way, upon informing your insurance company of the SR-22 requirement, you will most likely find your monthly rates increase. How much they increase greatly varies by state and your insurance provider. Increases in your auto insurance rates can vary from 15% to 50%. Depending on the violation, it could be even more. Always be prepared for higher rates after the filing.

sr22 insurance form

How to Lower Car Insurance Rates After an SR-22

Since your car insurance premiums are bound to increase following an SR-22 requirement, you’re going to probably want to find a way to lower them. While they may never be as low as they were pre-SR22, there are still some ways to make them fit into your budget better.

One simple way to lower your car insurance premiums is by increasing your deductible. Your deductible is how much you promise to pay in the event of a claim. The higher your deductible is, the less your insurance premiums will be. This is because when you agree to pay more out of pocket, your insurer will have to provide less following a claim. But it is important to remember that once you set your deductible at a certain amount, you need to make sure that you can actually pay it following a collision.

Reconsidering what kind of vehicle you drive can also be helpful in lowering your car insurance premiums after an SR-22. High-powered, luxury vehicles are more expensive to insure than your everyday sedan. Newer models also tend to be more expensive to cover than decades-old vehicles. It may be beneficial to shop around and trade in your vehicle for one that’s a couple of years old with good safety ratings. This will help you appear to be less of an insurability risk to your insurance provider.

If you have done everything highlighted above and you are still displeased with your insurance premiums, ask your insurance agent about any discounts you are eligible for.

Canceling or Removing Your SR-22 Coverage

Even if you are certain your SR-22 period is up, contacting your states DMV confirming that is a good idea. They should be able to find the regulations surrounding the states requirements.

Once confirming you no longer need an SR-22 on file, you should inform your insurance company. A lot of this responsibility with SR-22s falls on you as a customer. What you tell your insurer to do, they will go about doing. Just as they filed the documents for you, they will go about canceling it and notifying your DMV.

Failure to contact your state’s DMV in time may result in you canceling your SR22 certificate early, leaving you with extra penalties. Don’t forget the basics and leave yourself vulnerable with penalties from the state and your insurance company all over again.

SR-22 vs. FR-44

Depending on the state you live in, you could be required to file an FR-44 instead of an SR-22. Two states, Florida and Virginia, utilize FR-44s. An FR-44 is very similar to an SR-22, as this document proves that you carry state minimum auto insurance.

Where they differ is when maintaining an FR-44, you will need to increase your liability coverage limits. Carrying only the state minimum will typically not be sufficient when you need an FR-44. This, in turn, will raise your car insurance rates. An FR-44 certificate is required for three years on average, and it also cannot be canceled prior to the expiration date.

SR-22 Frequently Asked Questions

Are there different types of SR22s?

There are three choices when purchasing an SR-22 from your insurer, Owner, Operator, and Owner & Operator.

  • Owner - The Owner’s Form is for those who drive and own their vehicle.
  • Operator - An Operator’s Form is for drivers who borrow or rent a vehicle instead of owning one. This may also be paired with non-owner car insurance and can offer a cheaper option if it’s difficult covering the cost of an SR-22.
  • Operator/Owner - The Operator/Owner’s Form is intended for drivers who both own a car but occasionally, rent or borrow another car. This assures you are driving with the legal amount of car insurance no matter what vehicle you are in.

Which car insurance companies offer SR-22 policies?

Many car insurance companies offer SR-22 car insurance, including Insurance Navy™. Taking time to work with an insurance agent or broker will help you find affordable insurance rates and fulfill your state’s requirements. You should make sure you do adequate research if you are in the market for a new car insurance policy, especially if you need to file an SR-22. Fulfilling what your state has mandated for you is incredibly important.

Is an SR-22 a type of Car Insurance Coverage?

An SR-22 is not an insurance policy. It is simply a certificate of financial responsibility that assures your state you carry the mandatory minimum amount of car insurance by state requirements.

This form does not provide any coverage following an accident. Your auto policy will protect you and your vehicle against damage in the event of a collision. You also cannot only purchase an SR-22 certificate. It goes hand-in-hand with your auto policy.

SR22 Insurance Quotes with Insurance Navy™

Insurance Navy™ specializes in helping drivers get low-cost auto insurance coverage and INSTANT SR22 Insurance proof to meet their state’s legal requirements.

We put drivers first, giving you the tools and resources to quickly get a FREE quote on comprehensive auto insurance solutions that put you back in the driver’s seat.

We work with any driver, regardless of their past driving record. Life is all about second chances, let us help get you back on the road with affordable SR22 Insurance.

If your current insurance company cancels your policy or denies you coverage, speak with one of our local agents today or get a free online quote right on our website.

With a growing list of convenient office locations throughout the country, there’s sure to be an Insurance Navy near you.

Do you need more information on SR-22 and auto insurance coverage? To receive a personalized quote, call Insurance Navy™ today at 888-949-6289.

*This product may not be available in every state, please contact one of our insurance agents for more information.