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How SR-22 Insurance Works

A young latino couple driving in their car and illustrating how SR-22 insurance works.

You’ve just gotten a DUI. You expect that your driver’s license will be suspended. Once your suspension ends, you’ll need to go through the reinstatement process. SR-22 filing is a necessary step in this process. Your state’s Department of Motor Vehicles (DMV) will notify you when you’ll need to get SR-22 insurance and for how long you’ll need to have it, usually about three years.

Because you’re taking this infraction and subsequent reinstatement seriously, you’re looking into SR-22 auto insurance quotes online. Like most people, you aren’t entirely sure what it is and why it’s important to have. To help educate you, we’ve outlined how SR-22 insurance works. Read on to learn more.

What SR-22 Insurance Is and What It Covers

Also known as a Certificate of Financial Responsibility, SR-22 insurance technically isn’t a form of insurance coverage. Rather, it’s a special proof of insurance. It also replaces a monetary deposit or a certificate of deposit for driver’s license reinstatement in some states.

It’s important to know in advance that you cannot personally file for SR-22 insurance. You apply and pay for it through your auto insurance company, and then that company provides you with coverage. When you’re granted SR-22 insurance, your insurance company notifies your state’s DMV that your current auto insurance matches up with its mandatory liability requirements.

Who Needs SR-22 Insurance

Most people associate SR-22 insurance with DUIs because the insurance is a necessary part of the driver’s license reinstatement process after a DUI conviction. However, SR-22 insurance also covers people who get caught driving without insurance, without a driver’s license, with a suspended or revoked license, or with several traffic offenses in a short period of time.

In other words, this proof of insurance signifies to both insurers and state DMVs that a particular driver has historically participated in high-risk behavior. Most people need to get SR-22 insurance for two to five years.

What SR-22 Insurance Costs

SR-22 insurance will be an additional cost to your auto insurance. You’ll pay a one-time processing fee to get it. After you have SR-22 insurance, you’ll pay a higher monthly premium. SR-22 filing doesn’t cause your premiums to rise. Your premiums increase because you received a driving infraction.

Both the processing fees and premiums vary from state to state. Typically processing fees aren’t expensive at all, ranging from $15 to $25. The difference in your auto insurance premium, however, may be significant.

How You Can Get SR-22 Auto Insurance

Just because you’re currently required to have SR-22 insurance, doesn’t mean your premium will permanently stay high. Over time, you can lower your auto insurance premium by establishing a strong history of safe driving. In the meantime, to save on auto insurance, you can shop around for cost-effective SR-22 insurance.

Freeway Insurance offers a wide variety of insurance options, including auto and motorcycle coverage. We encourage you to visit our website and get a SR-22 auto insurance quote online. We can also help you to better understand SR-22 filing. Our customer service representatives are available to answer any questions you may have about your coverage options. For more information about SR-22 insurance, contact us today at (800) 777-5620.

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