Tag Archives: SR22

State By State Minimum Auto Insurance Requirements

State-by-State Minimum Coverage Requirements

All states have financial responsibility laws that either explicitly or in effect require you to purchase at least some auto insurance. Although coverage requirements vary from state to state, you will typically need to buy some level of liability coverage. Other types of auto insurance coverage may be optional or required, depending on the state in which you live.

Auto insurance coverage: the basics

Auto insurance coverage is typically broken down into separate components:

  • Liability coverage: This provides protection for claims made against an insured, where the use of an insured vehicle caused bodily injury or property damage to someone else
  • Medical payments coverage or personal injury protection: This provides coverage for various medical expenses incurred by the insured and others as a result of an accident, regardless of negligence or liability on the part of the insured
  • Collision coverage: This provides coverage for losses that the insured suffers as a result of damage to his or her covered vehicle caused by a collision
  • Other-than-collision (also known as comprehensive) coverage: This provides coverage for losses that the insured suffers as a result of damage to or loss of a covered vehicle not caused by a collision (e.g., fire, theft, vandalism, falling objects, explosion, earthquake, flood, and civil commotion)
  • Uninsured motorist coverage: This provides coverage for losses that the insured and others sustain when injured through the negligence of an uninsured or unidentified hit-and-run motorist
  • Underinsured motorist coverage: This provides coverage for losses that the insured and others sustain when injured through the negligence of a motorist who has liability insurance, but the limit of that insurance is insufficient to pay for damages

State-by-state minimum coverage requirements

The following table provides up-to-date information on each state’s minimum coverage requirements. The first two figures refer to bodily injury liability limits, and the third figure refers to the property damage liability limit. For example, 20/40/10 means coverage up to $20,000 for each person injured in an accident, up to a maximum of $40,000 for the entire accident, and $10,000 worth of coverage for property damage. The state minimums are based on the most current information available. You should check your specific state requirements to verify these figures.

State Type(s) of Coverage Required Minimum Liability Limits
AL Bodily Injury and Property Damage Liability 25/50/25
AK Bodily Injury and Property Damage Liability 50/100/25
AZ Bodily Injury and Property Damage Liability 15/30/10
AR Bodily Injury and Property Damage Liability 25/50/25
CA Bodily Injury and Property Damage Liability 15/30/5
CO Bodily Injury and Property Damage Liability 25/50/15
CT Bodily Injury and Property Damage Liability, Uninsured/Underinsured Motorist 20/40/10
DE Bodily Injury and Property Damage Liability, Personal Injury Protection 15/30/10
DC Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/10
FL Property Damage Liability, Personal Injury Protection 10/20/10
GA Bodily Injury and Property Damage Liability 25/50/25
HI Bodily Injury and Property Damage Liability, Personal Injury Protection 20/40/10
ID Bodily Injury and Property Damage Liability 25/50/15
IL Bodily Injury and Property Damage Liability, Uninsured Motorist 20/40/15
IN Bodily Injury and Property Damage Liability 25/50/10
IA Bodily Injury and Property Damage Liability 20/40/15
KS Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/10
KY Bodily Injury and Property Damage Liability, Personal Injury Protection 25/50/10
LA Bodily Injury and Property Damage Liability 15/30/25
ME Bodily Injury and Property Damage Liability, Uninsured/Underinsured Motorist 50/100/25
MD Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 20/40/15
MA Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 20/40/5
MI Bodily Injury and Property Damage Liability, Personal Injury Protection 20/40/10
MN Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured/Underinsured Motorist 30/60/10
MS Bodily Injury and Property Damage Liability 25/50/25
MO Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/10
MT Bodily Injury and Property Damage Liability 25/50/10
NE Bodily Injury and Property Damage Liability 25/50/25
NV Bodily Injury and Property Damage Liability 15/30/10
NH Financial Responsibility Only, Uninsured Motorist 25/50/25
NJ Bodily Injury and Property Damage Liability (Standard Limits Shown), Personal Injury Protection, Uninsured Motorist 15/30/5
NM Bodily Injury and Property Damage Liability 25/50/10
NY Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/10
NC Bodily Injury and Property Damage Liability 30/60/25
ND Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/25
OH Bodily Injury and Property Damage Liability 12.5/25/7.5
OK Bodily Injury and Property Damage Liability 25/50/25
OR Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/10
PA Bodily Injury and Property Damage Liability, Personal Injury Protection 15/30/5
RI Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/25
SC Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/25
SD Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/25
TN Bodily Injury and Property Damage Liability 25/50/15
TX Bodily Injury and Property Damage Liability 25/50/25
UT Bodily Injury and Property Damage Liability, Personal Injury Protection 25/65/15
VT Bodily Injury and Property Damage Liability, Uninsured/Underinsured Motorist 25/50/10
VA Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/20
WA Bodily Injury and Property Damage Liability 25/50/10
WV Bodily Injury and Property Damage Liability, Uninsured Motorist 20/40/10
WI Financial Responsibility Only, Uninsured Motorist 50/100/15
WY Bodily Injury and Property Damage Liability 25/50/20

Is the minimum coverage required enough coverage?

Keep in mind that the figures given in the preceding table represent only required minimums. In many cases, it will be in your best interest to purchase coverage above and beyond the minimums (including collision and other than collision) so that you’re adequately protected. With bodily injury liability, for instance, most insurance professionals recommend that your coverage limits be at least $100,000 per person and $300,000 per accident.

Top Questions Regarding an SR22 Insurance Policy

What is an SR22?

An SR-22 is simply a car insurance company’s guarantee to the state that you are carrying the legally mandated coverage. An SR-22 by itself does not raise your insurance rates. Rather, it is the conviction that triggered the requirement– usually a DUI, driving without insurance or reckless driving — that causes your premiums to soar.

Many motorists mistakenly believe the SR-22 is an actual type of car insurance, but that’s not the case. The SR-22 is simply a form that your car insurance company files on your behalf with the state.

The form, usually filed electronically, provides the state with proof of financial responsibility by showing that you have the required insurance coverages in effect.  The state-mandated coverages may be the same as your state’s minimum liability requirements or different coverages with higher limits.   The exact auto insurance requirements differ from state to state.

You can get your SR-22 only from a car insurance company because the purpose of the form is to show that you have obtained, and will maintain, certain insurance coverage.  There is no other way to get the SR-22; you cannot get an SR-22 without buying a car insurance policy.

Why am I required to carry an SR22?

All states except Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania may require a driver to obtain a SR-22.

Some of the reasons your state may require an SR-22 certificate of financial responsibility include, but aren’t limited to, the following:

  • Failure to carry liability insurance on your vehicle
  • Conviction for driving without insurance
  • Driving uninsured and being involved in a motor vehicle accident
  • DUI, DWI or other major alcohol offense convictions
  • Serious moving violation (such as reckless driving) convictions
  • Accumulating too many DMV points
  • Being termed a habitual traffic offender
  • Needing to apply for a hardship or probationary permit (while license is suspended)
  • Reinstating your license after a suspension or revocation

 

How Do I Get An SR22?

What Is An SR22?

While there are many reasons you would be required to obtain an SR22 in your State, some of the most common are: Driving under the influence (DUI, DWI, DWA), At Fault in an accident while driving without insurance, Multiple traffic offenses, most any suspension related to a traffic violation. In these cases, most States will require you to show future financial responsibility by having SR22 insurance. SR22 insurance can be purchased by a licensed insurance company in your state. The form shows the state that you have minimum liability limits for auto insurance. Policies are generally purchased in 6 month segments and can usually be paid for on a monthly basis to keep payments manageable.

Types of SR22 Policies

Basically there are two options; an Owner’s Policy and a Non-Owner’s Policy. The Owner’s Policy means we’ll add a vehicle to your policy. Conversely, the Non-Owner’s Policy means we won’t add a vehicle to your policy. Prefereably, from a financial perspective, we want to try to keep an automobile OFF of your policy. The reason for this is simply by virtue of needing an SR22, the insurance company is going to assume you’re a “High Risk” driver. Therefore, your insurance rates on that vehicle are going to be “Less Than Reasonable”. There are legitimate ways to keep a vehicle off of your policy and we can discuss those over the phone as each situation is unique. You can also legally get a Non-Owner’s Policy if you currently have “regular”  insurance on your vehicle through another company.

SR22, Cheap SR22, How to get an SR22, Florida SR22, Ohio SR22

Getting an SR22

Let’s just get this out there… It’s not going to be cheap in many cases. However, it’s often cheaper than anticipated. If we’re being honest, the requirement to obtain an SR22 is a punishment… it’s not supposed to be pleasant. Finding an agency to shop insurance rates is the best way to keep costs down.

You really shouldn’t make this more difficult than it has to be though. If you contact a reputable Insurance Broker, one that is familiar with the SR22 market, they handle all of the paperwork for you. They obtain the policy, email your cards and policy declaration, contact the DMV in your State and notify them of your compliance, etc. There’s nothing for you to do outside of provide the necessary contact information and pay for the policy.

So, while we hope to make the process as painless as possible, this is a business where we hope we never see a client more than once. Simply do your “time”, usually 2 or 3 years, and move on. From a compliance standpoint, leave that to us… it’s what we do. Call us today at 1-855-678-MY SR22 (1-855-678-6977) or access our Quoting Engine to search for the Lowest SR22 Rates in the State.

Select Insurance Group Specializes in FR44, SR22, SR50 and SR22A insurance products. With thousands of policies sold across the United States, Select Insurance Group has the resources, experience, and customer support to find you the right product at the lowest price. As Insurance Brokers, we’re not tied to any specific company. Our objective is to find the right product that matches your legal requirements and budget. Select Insurance Group routinely finds policies that are thousands of dollars less than competing quotes… simply by shopping the market at the time of purchase. Let Select Insurance Group find you the lowest price on your today! Call Now or enter your information into our Quoting Engine!

 

California SR22 Insurance Facts

WHAT IS A CALIFORNIA SR22 FORM?

An SR22 form is a document that helps the DMV and the state of California ensure that motorists are financially responsible for their driving. Certain drivers are deemed to be at risk because of past violations (as listed below) and are therefore required to file a California SR22 form with an insurance company. The auto insurance company will keep record of the SR22 as well as providing the motorist and the state DMV with a copy.

In the state of California there are three different types of SR22 forms:

  1. An Operator’s Policy Certificate which covers the financial responsibility in the case the motorist does not own a vehicle.
  2. An Owner’s Policy Certificate that covers the financial responsibility for vehicles owned by the motorist.
  3. A Broad Coverage Policy Certificate covers financial responsibility for all the vehicles that are owned or not owned by the motorist.

WHEN IS A CALIFORNIA SR22 REQUIRED?

The SR-22 financial responsibility insurance form is required for specific drivers in California. The form(s) may be required for the following reasons:

  1. If you have any safety responsibility suspensions. For example, if you were an uninsured driver and were involved in an accident in the past but did not pay the requisite compensation.
  2. If you have any unsatisfied judgment suspensions. For example, if you, as a driver were involved in an accident in the past and then you had an unsatisfactory judgment entered against you.
  3. If you have a restricted license.
  4. If you have had your license revocated.
  5. For individuals convicted of DUI.

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FILING FOR AN SR22 FORM

  1. Contact a DMV- authorized auto insurance agency or broker to request for a California SR22 filing.
  2. Pay the correct processing fee to the agency. The fee amount may vary between agencies. You can request an insurance quote from our California auto insurance page and where we offer quotes from companies who will allow you to request an SR22 filing automatically. This can all be done online and will often allow you to save on auto insurance rates.
  3. As per the State laws of California, the minimum amount of coverage for one accident should be $15,000 for one person killed or injured, $30,000 for two or more persons killed or injured and $5,000 for property damage.
  4. Upon receiving the request from the agent the central office then sends the SR-22 directly to the DMV in about 30 days.
  5. If accepted, you will receive the SR22 from the agency along with a letter from the DMV.
  6. The SR22 has to be maintained for a minimum period of 36 months. If this is not done, the DMV may suspend the driving record of the motorist until the insurance is reinstated.

FOR OUT OF STATE RESIDENTS

In case you move to another state, the requirements of your new state of residence will be applicable to you. Contact your insurance company for more information.

ADDITIONAL INFORMATION

  • An amount of $35,000 in cash or as a surety bond may be deposited with the DMV in place of liability insurance.
  • DMV-approved self-insurance is also considered adequate proof of financial responsibility.
PARTIAL ARTICLE INFORMATION SITED FROM DMV.COM

Colorado SR22 Insurance

If you are required to file an SR22 for the state of Colorado contact an insurance company or agent who is licensed to sell insurance in Colorado. You will be required to carry state minimum liability limits and continue the insurance policy for the duration of your specific court requirement.

Most insurance companies will electronically submit your SR22 to the Colorado Division of Motor Vehicles. You can deliver the form in person to 1881 Pierce Street in Lakewood, Colorado.

Do not let the insurance policy lapse or cancel as the provider will notify the state and your license will be suspended again. The SR22 is an add-on to a standard auto insurance policy that guarantees the state will be notified of any change in status and is commonly referred to as a future financial responsibility filing. You can change insurance companies but be sure to get a new SR22 filed before the old one is cancelled.

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What violations require an SR-22 filing?

Below are a list of violations that may require you to file an SR22 with the department of motor vehicles. This is not an exhaustive list but includes the most common violations:

  • Failure to drive with proper liability insurance
  • Driving under the influence of alcohol and/or drugs
  • Refusal to take chemical BAC test
  • Failure to pay child support
  • Vehicular homicide or vehicular assault conviction

What if I cancel my SR-22 insurance prior to the end of my probation   period?

If you let your SR-22 insurance policy lapse or cancel it prior to the end of your probation period the insurance company will notify the state immediately. Once the state is notified your driver’s license will be suspended until you reinstate the SR22 and your probation period will start over. It is in your best interest to maintain the SR22 policy so you don’t pay any additional fees. For the lowest prices in the State of Colorado, call 1-855-678-6977 or access our FREE Quoting Engine!

What is an SR22?

SR22 Insurance is an insurance policy which is required for certain high-risk drivers in order to reinstate a revoked or suspended driver’s license. A three year policy is typical, but SR22 insurance policies can vary from one to five years, depending on the violation. When an insurance company issues the SR22 auto insurance policy, it provides a certificate which guarantees the state’s Department of Motor Vehicles that the insured has met the state’s required minimums of liability coverage and that the DMV will be notified if there is any lapse in coverage. If the policy is not maintained or is canceled, the DMV will immediately suspend the driver’s license and may additionally penalize the driver.

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SR22 prices vary widely across insurance carriers; by as much as thousands of dollars for the same coverage. By using a Licensed Insurance Broker to shop multiple companies for you, you can be assured you’re getting the best coverage at the best price.

Select Insurance Group specializes in SR22, FR44, SR22A, and SR50 insurance products. Use our Quoting Engine for FREE, No Obligation Quotes… or call us at 1-855-678-MY SR22 (6977) to speak with a Licensed Insurance Professional.