What Is SR22 Insurance?

What is SR22 Insurance?

Most states will require you to show future financial responsibility by having SR22 insurance. SR-22 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. It is most often required after you get cited for driving without insurance, DUI or other major traffic violations.

Where do I get cheap SR22 insurance?

Cheap SR22 insurance is easy to find if you shop around for the best price. Be sure to let the company know you need an SR22 and any accidents or tickets you also have. We offer a free service that allows you to compare multiple SR22 insurance quotes in minutes. Just enter your zip code and click compare quotes to start.

Can I get an SR22 if I don’t own a car?

Yes, you can get SR22 insurance if you don’t own a car. Many people don’t own a car but are required to show financial responsibility to the state. Ask your insurance company for a non-owner SR22 insurance policy that has an SR-22 included. This type of policy will provide you with the required liability coverage and is not tied to any one vehicle but any vehicle you drive.

How long is the SR22 valid?

In most states the SR22 is required for three years but can be up to 5 years depending on your court required suspension period. The required time period will be stated on your suspension paperwork. If you cancel your SR22 policy prior to the end of your suspension the state will suspend your license again.

How much does SR22 insurance cost?

The cost to add an SR-22 filing to your auto insurance is usually $25 to $50. This is only the cost to file the form with the state. Your largest cost associated with the SR22 is the underlying citation such as a DUI. Most insurance companies increase your auto premium substantially in the event you are convicted of a DUI or other major violation. Be sure to get SR22 quotes from multiple companies to compare prices.

What if I move to another state during my suspension?

If you are required to have an SR22 filed with your current   residence state and you move you must continue to file with your previous state. Be sure to inform you insurance company of the new address but make sure that SR22 does not cancel. Not every state requires an SR22 filing so ask your insurance agent or company for details.

Can I switch insurance companies when I have an SR22?

Yes you can switch insurance companies during your required suspension period. If you find a lower rate at a different insurance company just make sure there is no lapse of coverage and the new company has all the SR22 filing information.

Who needs an SR22?

If you have been arrested or convicted to one of the following you may be required to carry an SR22:

  • Driving under the influence DUI, DWI, DWAI
  • At fault in an accident while driving without insurance
  • Multiple traffic offenses specific to your state
  • Most any suspension related to a traffic violation

Is SR22 insurance valid in multiple states?

No, SR22 insurance is specific to the state which  the violation occurred. If you plan to move to another state while your current state still requires the SR22 filing do not cancel the policy until you have transferred your insurance to the new state. Some states don’t require SR22 insurance but may have other requirements. Check with an insurance agent to see what the state requirements may be.

Do I need an SR-22 for each vehicle I own?

When you file an SR22 with most states they only care that you have proper liability coverage. When you add an SR-22 filing it is usually added to one vehicle only but this shows you have liability protection in that state for the required limits. For example you could have a motorcycle or second vehicle insured with another carrier that does not have the SR22 and that is acceptable.

When can I cancel my SR22?

Most SR22 filings are required for three years after the last day of your suspension period. It can vary from state to state and case to case but that is the most common. Be sure to check the letter you received from the state motor vehicle department regarding your suspension requirements. In this letter it will state how long you need to carry the SR22, if you have questions you should contact your state motor vehicle department. Don’t cancel the SR-22 policy until you know for sure the required time period or they will suspend your license again!

Will the insurance company send me SR22 form?

When you file for an SR-22 form with your insurance company they will electronically submit it to the state motor vehicle department. You will not receive   a copy of the form but you will have your proof of insurance which will have the policy number and vehicle information on it. If you are pulled over for a traffic violation the officer will know you have an SR22 filing on your insurance by looking at the filing online. There is no need for you to have a copy of the SR-22 form.

What is the difference between FR44 insurance and SR22 insurance?

Currently there are only two states that require FR44 insurance filings, Florida and Virginia. The FR44 is a proof of insurance certificate that requires the driver to have higher liability limits on the auto insurance policy due to a DUI. Driving under the influence in one of these states will result in much higher car insurance premiums and a three year period of filing an FR44 form. The cost of the filing is only $25-$50 but having the DUI on your driving record will cause the premiums to increase dramatically.

Can I have SR22 insurance on a motorcycle?

If you own a motorcycle and need SR22 insurance you can file the SR-22 form on that bike. Motorcycle insurance offers drivers the ability to own a bike and still have liability insurance which is required to file form SR22.

Broad Form SR22 Insurance

What is broadform SR22 insurance?
Broad form coverage provides liability coverage for you as a person.  Most auto insurance policies insure a specific vehicle, but Broad form named operator coverage provides insurance on a specific driver.  It satisfies your legal need for liability insurance to drive a car.  It can also provide uninsured/underinsured motorist coverage to protect you.

Is Broadform insurance right for me?
1  Do you own mulitiple vehicles that don’t need physical damage coverage?
2  Do you not own a vehicle but want to have insurance if you borrow someone else’s automobile?
3  Do you just need the state required liability insurance?
4  Do you need an SR22 filing but your current auto policy does not offer it?

Broadform Insurance DOES NOT provide physical damage coverage for your car.
Broadform Insurance DOES NOT cover other people you give permission to drive your car.