Searching Cheap SR-22 Auto Insurance Near Me?
Your insurance rates could cost $285 per month on average. auto insurance may be necessary for drivers after receiving a DUI, reckless driving ticket, or other types of traffic violations.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Nov 6, 2024
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Overview:
- An SR-22 is a form filed by an insurance company to confirm your coverage.
- You may need an SR-22 after a DUI, driving without insurance, or other traffic violations.
- SR-22 car insurance is more expensive because you are categorized as a high-risk driver.
- You can shop around for insurance, even with a bad record, to find cheaper SR-22 car insurance rates.
If you’re a high-risk driver, odds are your auto insurance rates will increase after you’re required to file an SR-22 insurance form. We can help you find out how to save money when you need an SR-22.
If you’ve asked yourself, “where is cheap SR-22 auto insurance near me?” or any other questions about this insurance, you’re in the right place. We’ll cover how to find cheap auto insurance rates and more.
Before we begin, let’s take a look at some basic facts regarding the SR-22. Remember, you can use our helpful tool at the top to enter your ZIP code and see cheap SR-22 car insurance quotes online.
What is SR-22 auto insurance coverage?
What Is SR-22 Insurance? SR-22 insurance is a document that demonstrates proof that you are financially responsible. You’ll need this form if you’re caught driving while uninsured, and you’ll typically have to keep the SR-22 auto insurance for three years.
After three years, your status will expire. This filing may also be required if:
- You need auto insurance after a DUI or DWI.
- You cause an accident while uninsured.
- You’ve collected several tickets in a short time.
- Your license is suspended or revoked.
Unfortunately, if you need an SR22 insurance form to indicate that you’re financially responsible, you will pay higher rates than you would for standard auto insurance. What is the difference between SR-22 and regular insurance?
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Are SR-22, SR22, SR 22, and certificates of financial responsibility the same?
Yes. However you reference the SR 22 form, the form is the same. Different insurance companies may have different preferences in how they use the term in print and online, but it all refers to the certificate of financial responsibility (CFR) filing needed to meet state requirements.
The CFR shows that you meet your state’s minimum car insurance requirements for a specified amount of time.
Let’s look into how much SR-22 insurance costs.
What does SR-22 insurance cover?
SR-22 is a form, not a policy. That means it covers whatever you select on the actual insurance policy. Whether you get SR-22 insurance from Geico or Progressive, the form is the same. An SR-22 in Texas, California, or any other state will meet the local legal requirements.
How much does SR-22 insurance cost?
If you find yourself in one of the situations above, you must get your license back. The SR-22 is a step in the right direction in the eyes of the law. With that being said, you won’t find affordable SR-22 car insurance rates, at least for a while. That’s because they’re seen as high-risk drivers.
How much is SR-22 insurance per month? Let’s take a look at this next chart to see insurance rate comparisons between premiums before SR 22 filing and after SR 22 filing for five states.$64
As you can see, there’s a drastic premium hike after filing SR-22 insurance. Some states have a smaller increase, such as Illinois, where the increase is 44 percent.
That may sound like a lot, but it’s relatively minor when you compare it to other states. Rates can sometimes double and then some. In California, the increase is 156 percent.
Keep in mind, though, that the price increase is temporary.
Usually, this period is three years, and the three-year price increase is far superior to the ramifications of driving without insurance. SR-22 insurance costs money. Fortunately, it’s a one-time fee and only ranges from $17 to $45.
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Where can I get the cheapest SR-22 auto insurance?
It’s possible to get cheap auto insurance for SR-22 drivers. If you shop around and compare rates, you can find cheap SR-22 quotes online. So who has the cheapest SR-22 insurance?
The following table lists cheap SR-22 insurance companies and what states carry the cheapest SR 22 car insurance.
Companies with the Cheapest SR-22 Insurance
| Company | State |
|---|---|
| Progressive | Arizona |
| Mercury | California |
| State Farm | Florida |
| State Farm | Illinois |
| USAA | Indiana |
| Grange | Ohio |
| State Farm | Oregon |
| State Farm | South Carolina |
| Progressive | Tennessee |
| USAA | Texas |
| Farm Bureau | Virginia |
| USAA | Wisconsin |
Cheap SR-22 car insurance varies by state. However, the companies in the information above reveal which companies are cheaper by state.
What are the differences between SR-22 & FR-44 insurance?
The FR-44 is similar to the SR-22 but with a few differences. For one, the FR-44 is specific to Virginia (you may not need SR-22 insurance in VA, but an FR-44 instead) and Florida, which sends letters using FR-sanction numbers. (For more information, read our “Cheap FR-44 Insurance“).
Second, it has an additional requirement that the SR-22 lacks. Namely, the FR-44 requires additional liability coverage with a $100,000 minimum. This is because the FR-44 is related to DUIs, and the insurance companies see FR-44 holders as a greater risk.
Which type of auto insurance coverage do you need?
If you end up with a suspended license, you’ll find yourself in court. Once in court, you’ll find out whether you’ll need to file an SR-22. You can then see the SR-22 insurance online PDF form online in many cases.
From there, you’ll be in touch with your insurance company to ensure this is completed. While the insurance company will handle the paperwork side of things, you need to inform them. Failure to do so will further complicate your situation.
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Who needs SR-22 or DUI insurance?
The following table compares the rates of those with a clean record to those with a speeding ticket, an accident, and a DUI, which is the most common reason why one would need an SR 22.
Average Annual Auto Insurance Rates by Driving Record
| Companies | Average Annual Auto Insurance Rates With a Clean Record | Average Annual Auto Insurance Rates With One Accident | Average Annual Auto Insurance Rates With One DUI | Average Annual Auto Insurance Rates With One Speeding Violation |
|---|---|---|---|---|
| USAA | $1,933.68 | $2,516.24 | $3,506.03 | $2,193.25 |
| Geico | $2,145.96 | $3,192.77 | $4,875.87 | $2,645.43 |
| American Family | $2,693.61 | $3,722.75 | $4,330.24 | $3,025.74 |
| Nationwide | $2,746.18 | $3,396.95 | $4,543.20 | $3,113.68 |
| State Farm | $2,821.18 | $3,396.01 | $3,636.80 | $3,186.01 |
| Average | $3,123.62 | $4,100.27 | $4,919.62 | $3,669.10 |
| Progressive | $3,393.09 | $4,777.04 | $3,969.65 | $4,002.28 |
| Travelers | $3,447.69 | $4,289.74 | $5,741.40 | $4,260.80 |
| Farmers | $3,460.60 | $4,518.73 | $4,718.75 | $4,079.01 |
| Allstate | $3,819.90 | $4,987.68 | $6,260.73 | $4,483.51 |
| Liberty Mutual | $4,774.30 | $6,204.78 | $7,613.48 | $5,701.26 |
As you can see, when averaged out, having a DUI on your record is far more expensive than the remainder of the three categories.
In fact, save for Progressive, every company charges more for having a DUI on one’s record than having an accident or a speeding violation. That’s not surprising given the Insurance Institute for Highway Safety’s statistics on DUI fatalities.
What is an SR-22 bond?
An SR-22 bond is purchased for a set amount of money that will then be used to pay for damages should an accident occur. The state sets the amount, and if that figure is paid, you may drive again.
If an accident occurs, the bond pays up to its limit, at which point you must repay the state for the remainder.
The bond is connected to the driver, not the vehicle, so the driver can purchase any car they would like. The caveat is, should the driver be responsible for the accident, they have to repay the expense and interest.
It is of the utmost importance to carry a copy of this bond. Should you find yourself pulled over by law enforcement, you’ll most likely have your license and registration suspended if you don’t.
How long do I have to pay for the SR-22 insurance?
If you have been told you need SR22 insurance, you will have to pay for it for a while. Continuous coverage must be maintained for three years on average. The actual amount of time can vary from two to five years, depending on which state you live in.
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How do I get my license back after procuring SR-22 insurance?
When you are looking to get your driving privileges back, you will need to pay on time consistently while holding the SR-22. If you do so, after the state-mandated period of time, your driver’s license privileges will be reinstated.
What are the penalties if I drive without SR-22 auto insurance?
If you’re currently paying for SR-22 insurance coverage and you lapse on the payments, you’ll most likely have your driver’s license suspended.
This is because the insurance company you worked with to initiate the SR-22 coverage will be required by law to notify the police if you’re driving without coverage. Furthermore, you’ll be required to carry your SR22 insurance longer, and your rates will be raised substantially.
What if my policy cancels when I still need SR-22 insurance?
Whether an SR 22 is needed still or not, your insurance company will file an SR-26 form with the state to cancel the SR-22. This same form is also filed to remove the SR-22 requirement.
If your policy is canceled, the SR-26 is filed and the Department of Motor Vehicles (DMV) contacted. The possible repercussions include loss of your driver’s license or other consequences.
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Can I compare cheap SR-22 auto insurance quotes online?
A DUI or DWI will cause you to have a higher insurance premium. Comparing SR-22 insurance quotes and shopping around for cheaper rates.
No matter what offense you committed, odds are your insurance company will deem you a higher risk and therefore more expensive to cover.
The dollar amount by which your auto insurance premiums rise because of this filing (or any other legally required proof of financial responsibility) will vary based on your insurance provider and their determination of risk.
Specific rate-lowering discounts, such as a https://www.autoinsuranceez.com/car-insurance-discounts/safe-driver-discount/, may be revoked from your auto insurance policy.
Typically, this form becomes a legal requirement if a motorist is convicted of causing an accident or ticketed for a traffic offense and is incapable of showing proof of insurance or other financial responsibility.
The following chart shows the financial difference for five states between individuals who have many driving citations and those who have no citations.
SR-22 insurance doesn’t usually make any inherent changes to the way that your policy protects your automobile. It has more to do with the fact that recent events on your driving record have made proof of financial responsibility mandatory for you to remain a legally licensed driver.
However, different states treat an SR-22 a little differently. Some require an active change to your auto insurance policy after a DUI or DWI. You may also need an ignition interlock. For example, Florida will require you to add bodily injury liability to your insurance policy after filing this form.
This is in addition to the state-mandated property damage coverage and personal injury protection (PIP) coverage, of course. The following chart shows the average increases to the cost of your coverage for five states.$93When your insurance company gets the form, it must inform the state you’re insured in (and therefore legally okay to drive). While your SR-22 is active, your insurance company is also legally required to inform the state if either you or your provider cancel the policy for any reason.
If an unexpected cancellation occurs, penalties such as license suspension will usually be levied against the driver. Compare bad driver insurance rates now by entering your ZIP code in our free quote tool.
SR-22 Auto Insurance: What’s the Bottom Line?
SR-22 car insurance may be too costly, depending on your unique situation. Finding the cheapest SR-22 insurance rates can be difficult. Shopping around for a new quote could potentially save you money.
Since state laws vary, you’ll want to search locally for your insurance coverage. Even if you’re happy with your current insurance for SR-22, it can’t hurt to look for a better deal. You may find cheaper SR-22 car insurance rates elsewhere.
Hopefully, now you have the information you need to buy SR-22 car insurance. No one wants to be in this situation, but you can take the first step and enter your ZIP code in our easy tool to compare SR-22 car insurance rates now.
Frequently Asked Questions: SR-22 Auto Insurance
Is there something you still need to know before you are ready to buy sr-22 auto insurance? Read the questions below to learn more.
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#1 – Can I get an SR-22 even if I do not own a vehicle?
Yes, you can get SR-22 insurance with no car. You will require a special variation called a non-owner SR-22.
#2 – Can I get an SR-22 without having auto insurance?
No. An SR-22 is a form that proves you have auto insurance, so you can’t get one without the policy.
#3 – What is non-owner SR-22 insurance?
Non-owner SR-22 insurance is for those who need to keep coverage despite not owning a vehicle. An example would be if you need to drive, say, to work, and you borrow your roommate’s car.
The non-owner SR-22, like the regular SR-22, covers only the expenses for the other party involved in an accident. In a situation where you damage your roommate’s car, your costs would have to be paid by you out of pocket.
The amount of minimum coverage required for the non-owner SR-22 varies by state, but you should exceed this minimum level if possible.
This is because the damage to your roommate’s vehicle (and any other vehicles involved in the accident) will probably exceed the coverage amount stated in the policy. If your coverage level does not take care of the amount, you’ll be stuck paying the difference.
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#4 – What are the different types of SR-22 certificates?
The different types of SR-22 certificates are the Owner, Operator, and Operator/Owner. The Operator certificate is used for those that don’t own a car, while an Owner certificate is used for those that own a vehicle. Owner/Operator combines both previously mentioned types of certificates.