what is sr22
As an experienced insurance agent with Blake Insurance Group, I’ve seen firsthand how confusing SR22 insurance can be for many drivers. It’s not something you think about until you suddenly need it, and then it can feel overwhelming. That’s why I wanted to take a moment to break down what SR22 insurance really is and why it matters.
Over the years, I’ve helped countless clients in states like Arizona, Florida, Texas, and Virginia navigate the ins and outs of SR22 requirements. Whether you’re dealing with a DUI, multiple traffic violations, or driving without insurance, understanding SR22 is crucial to getting back on the road legally.
In this article, I’ll walk you through the basics of SR22 insurance, explain when you might need it, and touch on how it varies from state to state. My goal is to give you clear, straightforward information that’ll help you make informed decisions about your insurance needs.
Remember, every situation is unique, and SR22 requirements can be complex. But don’t worry – that’s what we’re here for at Blake Insurance Group. Let’s dive in and demystify SR22 insurance together.
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What is SR22 Insurance?
SR22 insurance can often be a source of confusion for many drivers. Contrary to popular belief, an SR22 isn’t a type of insurance; rather, it’s a form that serves as proof that you have the minimum required auto insurance coverage mandated by your state. This document is typically filed by your insurance provider with the state’s Department of Motor Vehicles (DMV) to demonstrate that you are financially responsible for any damages you may cause while driving.
When is SR22 Required?
DUI or DWI conviction – This is probably the most frequent reason. If you’re convicted of driving under the influence of alcohol or drugs, you’ll almost certainly need an SR22.
Driving without insurance – Getting caught operating a vehicle without the required insurance coverage is another major trigger for SR22 requirements.
Accumulating too many points on your license – Racking up multiple traffic violations in a short time can lead to an SR22 mandate.
Reckless driving conviction – Being found guilty of reckless or careless driving often results in an SR22 filing.
At-fault accidents while uninsured – Causing an accident when you don’t have proper insurance coverage is a surefire way to need an SR22.
License suspension or revocation – You’ll typically need to file an SR22 to reinstate a suspended or revoked license.
Repeat traffic offenses – Multiple violations, even if minor, can add up to an SR22 requirement.
SR22 Requirements by State
States That Require SR22
Most states require SR22 filings in certain situations. Some key examples:
– Arizona: Requires SR22 for 3 years after certain offenses like DUIs or driving without insurance.
– Texas: Requires SR22 for 2 years.
– Florida: Uses FR44 forms instead of SR22 for DUI offenses, requiring higher liability limits.
– California, Georgia, and Illinois Commonly require SR22 filings.
The duration and specific requirements vary by state. For example, Alabama requires SR22 for 3-5 years depending on the offense.
States That Don’t Require SR22
A few states do not use SR22 filings:
– Delaware
– Kentucky
– Minnesota
– New Mexico
– New York
– North Carolina
– Oklahoma
– Pennsylvania
However, these states still have minimum auto insurance requirements that drivers must meet.
Key Points
– Requirements vary significantly between states in terms of duration, offenses that trigger SR22, and minimum coverage amounts.
– Even if your new state doesn’t require SR22, you may need to maintain a filing from your previous state.
– Some states use alternative forms like FR44 (Florida, Virginia) with higher liability limits.
– Always check with your state DMV for the most up-to-date requirements, as they can change.
Cost of SR22 Insurance
Filing fee:
– The filing fee for an SR22 form is typically around $15-$50, depending on the state and insurance company.
– This is usually a one-time fee, not an ongoing cost.
Insurance premium increases:
– The real cost comes from increased insurance premiums after needing an SR22.
– Drivers needing SR22 are considered “high-risk” and often see significant rate increases.
Average costs:
– The average SR22 insurance cost is $3,270 per year for a driver with a DUI conviction.
– This is about $1,400 more per year compared to a driver with a clean record.
Factors affecting cost:
– Driving record
– Age
– Location
– Vehicle type
– Credit score
State variations:
– Costs vary significantly by state. For example, Idaho has the cheapest average rate at $2,174/year, while California is most expensive at $5,593/year.
Company differences:
– Rates can vary widely between insurance companies. Shopping around is recommended.
– USAA, Progressive, and American Family offer cheaper SR22 rates on average.
Duration:
– SR22 is typically required for 3-5 years, during which higher rates persist.
Non-Owner SR22 Insurance
Non-owner SR22 insurance is designed for people who:
– Don’t own a vehicle
– Need to file an SR22 to reinstate their license
– Occasionally drive borrowed or rented cars
The main features of non-owner SR22 policies include:
– Liability-only coverage (no comprehensive or collision)
– Covers you, not a specific vehicle
– Secondary coverage that applies after the car owner’s insurance
– Typically cheaper than standard auto policies
– Allows you to file an SR22 without owning a car
Some crucial points to keep in mind:
– Not all insurers offer non-owner SR22 policies, so you may need to shop around
– You’ll still need to maintain continuous coverage to satisfy SR22 requirements
– The policy won’t cover vehicles in your household or that you have regular access to
– Rates are often lower than standard policies but still higher than for drivers without SR22 needs
Common situations where non-owner SR22 is needed include:
– License suspension due to DUI/DWI
– Multiple traffic violations in a short time
– Driving without insurance
– At-fault accidents while uninsured.
SR22 vs. FR44
States that use them:
– SR22 is used in most states
– FR44 is only used in Florida and Virginia
Offenses they’re required for:
– SR22 is typically required for non-alcohol related violations like reckless driving, driving without insurance, etc.
– FR44 is specifically required for DUI/DWI offenses
Insurance coverage limits:
– SR22 usually requires state minimum liability coverage
– FR44 requires much higher liability limits:
– In Florida: 100/300/50 ($100,000 bodily injury per person, $300,000 per accident, $50,000 property damage)
– In Virginia: Double the state minimum coverage
Cost:
– FR44 is generally more expensive due to the higher coverage limits required
Duration:
– Both are typically required for 3-5 years, depending on the offense and state laws
Purpose:
– Both serve as proof of financial responsibility, but FR44 is considered more serious due to its association with DUI offenses.
Getting SR22 Insurance
As an independent insurance agent with Blake Insurance Group, I’d be happy to help you obtain SR22 coverage. Here’s what you need to know about getting SR22 insurance:
First, it’s important to understand that an SR22 isn’t actually insurance – it’s a form filed by your insurance company that proves you have the minimum required liability coverage. The SR22 filing is typically needed after certain driving offenses like DUIs, driving without insurance, or accumulating too many points on your license.
To get SR22 coverage, here are the key steps:
Contact an insurance provider like myself who can file the SR22 form. Not all companies offer this, so working with an independent agent gives you more options.
Provide details about your driving record and the reason you need an SR22. This helps determine your risk level and rates.
Choose a policy that meets your state’s minimum liability requirements. I can explain the coverage options and help you select the right policy.
Pay the SR22 filing fee (usually $15-$50) and your insurance premium. SR22 policies are often more expensive due to the higher risk.
Your insurance company will file the SR22 form with the DMV. You’ll receive proof of filing to show you comply.
Maintain continuous coverage for the required period, usually 3-5 years. Any lapse could result in license suspension.
As your agent, I’ll shop rates with multiple insurers to find you the most affordable SR22 coverage. I’ll also make sure you understand all the requirements to keep your policy and driving privileges active. Let me know if you have any other questions – I’m here to help you navigate this process and get the coverage you need.
SR22 Insurance companies
Comparison of Top 10 Insurance Companies Offering SR22 Coverage
| Company | SR22 Filing Fee | Average SR22 Premium | States Available | Discounts |
|---|---|---|---|---|
| Geico | $25 | $2,500/year | 50 states | Multi-vehicle, good student |
| Progressive | $20 | $2,800/year | 50 states | Snapshot, multi-vehicle |
| State Farm | $30 | $3,000/year | 50 states | Multi-vehicle, good student |
| Allstate | $25 | $2,900/year | 50 states | Drivewise, multi-vehicle |
| USAA | $20 | $2,200/year | 50 states (military only) | Military discount, multi-vehicle |
| American Family | $25 | $2,600/year | 19 states | Multi-vehicle, good student |
| Farmers | $30 | $3,100/year | 50 states | Multi-vehicle, good student |
| Nationwide | $25 | $2,700/year | 50 states | Vanishing Deductible, multi-vehicle |
| The General | $20 | $2,400/year | 44 states | Low down payment, multi-vehicle |
| Dairyland | $25 | $2,800/year | 42 states | Multi-vehicle, good student |
Note:
- SR22 filing fees and average premiums are estimates and may vary depending on individual circumstances.
- States available refers to the number of states where the company offers SR22 coverage.
- Discounts listed are not exhaustive and may not be available in all states.
FAQs about SR22 Insurance
What is SR22 insurance?
SR22 is not insurance but a form filed by your insurance company to prove you have the minimum required auto liability insurance coverage in your state.
Who needs SR22 insurance?
Drivers who have had their license suspended or revoked due to offenses like DUIs, driving without insurance, or accumulating too many points on their license typically need an SR22.
How long do I need to carry SR22 insurance?
The duration varies by state but is usually 3-5 years. Continuous coverage is required during this period to avoid license suspension.
What is the difference between SR22 and FR44?
FR44 is used in Florida and Virginia for DUI offenses and requires higher liability limits (100/300/50) compared to a standard SR22.
Can I get SR22 insurance if I don't own a car?
Yes, you can get non-owner SR22 insurance, which provides liability coverage when driving a borrowed or rented car.
How do I file an SR22?
Your insurance company will file the SR22 form on your behalf. You cannot file it yourself.
What happens if my SR22 insurance lapses?
If your policy lapses, your insurance company will notify the DMV, and your license may be suspended again.
How much does SR22 insurance cost?
The filing fee is usually around $25, but the real cost comes from increased insurance premiums due to being considered a high-risk driver.
Can I switch insurance companies while having an SR22?
Yes, but you must ensure continuous coverage. If you switch, your new insurer must file a new SR22 form.
What is included in non-owner SR22 insurance?
Non-owner SR22 includes basic liability insurance (bodily injury and property damage liability) but does not include collision coverage.
Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Blake Nwosu
Owner & Principal Agent