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How Will Filing an SR-22 Affect Your Auto Insurance Rates?

An SR-22 is a Financial Responsibility Form, an official statement from your auto insurance company certifying that you have liability coverage.

Drivers are typically required to file an SR-22 if they are involved in an accident or if they receive a traffic ticket and they cannot show proof that they have insurance. Some states require an SR-22 if you exceed the maximum number of points permitted on your driver's license, or if you are convicted of a serious offense such as DUI or DWI. You may even need an SR-22 if you have a large number of unpaid fines or parking violations!

If your license has been suspended or revoked, you may need to get an SR-22 to have it reinstated. In these cases, an insurance card, or even a copy of your insurance policy, is often not enough. The state will not reinstate your license until your insurer submits an SR-22.

Each state has its own requirements concerning the amount of liability insurance that drivers must carry. If you are involved in accident, even if it is not your fault, you must be able to prove that you have adequate coverage. If you are insured for less than the minimum amount, or if you do not have liability insurance at all, you will be required to purchase insurance or increase your coverage. Then your insurance company may have to submit an SR-22.

When a company submits an SR-22 for a customer, it must notify the state if coverage lapses for any reason. Typically, this requirement stays in effect for three years. After that, the company is no longer required to inform the state about changes in your coverage.

An SR-22 requirement is likely to increase the amount you pay for insurance. The amount of the increase will depend on the reason for the requirement. If you have been convicted of a serious offense such as DUI or DWI, your rates will increase significantly. Your insurer may even cancel your policy and you will have to buy non-standard insurance, at a higher rate, from a company that specializes in insuring high-risk drivers.

On the other hand, if your overall driving record includes no serious violations, the SR-22 requirement will have a smaller effect on your rates.

Basically, your rates will depend on your driving record, your location, and the number of years you have been driving.

As with any type of insurance, it pays to shop around. It is fairly easy to get quotes online from several companies. Just make sure that you are getting quotes on the same coverage. It might make sense to start by asking for prices on the minimum basic coverage you need for an insurer to issue an SR-22 for you.

If you pay your first premium by credit card, some insurers will issue an SR-22 immediately. This can be important because if your license has been suspended it cannot be reinstated until your insurer submits an SR-22.

Get Competitive Insurance Quotes

We provide referrals to insurance agents so you can get fast, free quotes. Compare prices and save money!

How Will Filing an SR-22 Affect Your Auto Insurance Rates?

An SR-22 is a Financial Responsibility Form, an official statement from your auto insurance company certifying that you have liability coverage.

Drivers are typically required to file an SR-22 if they are involved in an accident or if they receive a traffic ticket and they cannot show proof that they have insurance. Some states require an SR-22 if you exceed the maximum number of points permitted on your driver's license, or if you are convicted of a serious offense such as DUI or DWI. You may even need an SR-22 if you have a large number of unpaid fines or parking violations!

If your license has been suspended or revoked, you may need to get an SR-22 to have it reinstated. In these cases, an insurance card, or even a copy of your insurance policy, is often not enough. The state will not reinstate your license until your insurer submits an SR-22.

Each state has its own requirements concerning the amount of liability insurance that drivers must carry. If you are involved in accident, even if it is not your fault, you must be able to prove that you have adequate coverage. If you are insured for less than the minimum amount, or if you do not have liability insurance at all, you will be required to purchase insurance or increase your coverage. Then your insurance company may have to submit an SR-22.

When a company submits an SR-22 for a customer, it must notify the state if coverage lapses for any reason. Typically, this requirement stays in effect for three years. After that, the company is no longer required to inform the state about changes in your coverage.

An SR-22 requirement is likely to increase the amount you pay for insurance. The amount of the increase will depend on the reason for the requirement. If you have been convicted of a serious offense such as DUI or DWI, your rates will increase significantly. Your insurer may even cancel your policy and you will have to buy non-standard insurance, at a higher rate, from a company that specializes in insuring high-risk drivers.

On the other hand, if your overall driving record includes no serious violations, the SR-22 requirement will have a smaller effect on your rates.

Basically, your rates will depend on your driving record, your location, and the number of years you have been driving.

As with any type of insurance, it pays to shop around. It is fairly easy to get quotes online from several companies. Just make sure that you are getting quotes on the same coverage. It might make sense to start by asking for prices on the minimum basic coverage you need for an insurer to issue an SR-22 for you.

If you pay your first premium by credit card, some insurers will issue an SR-22 immediately. This can be important because if your license has been suspended it cannot be reinstated until your insurer submits an SR-22.

Get Competitive Insurance Quotes

We provide referrals to insurance agents so you can get fast, free quotes. Compare prices and save money!