Yes, in many cases, you will need to have SR-22 insurance to get your driver’s license reinstated. An SR-22 proves to your state’s DMV that you are carrying the required car insurance. Learn more about how to file an SR-22 and the steps you may need to take to reinstate your license.
What is an SR-22?
An SR-22 is a document your car insurance company files with the state to let them know you have at least the state-required minimum liability car insurance. You cannot file an SR-22 – an insurance company must do it for you. Most likely, you will need to carry your SR-22 insurance for a period of time set forth by the state.
Some insurance companies will not cover a driver who requires an SR-22 quote. An SR-22 requirement from the state is a red flag to insurers. Drivers who are required to provide an SR-22 have typically behaved in a reckless manner behind the wheel. This makes them a high risk driver to insurance companies.
How Much Does SR-22 Insurance Cost?
The filing of an SR-22 certificate is a one-time fee of between $25 and $40, depending on your state. If you switch insurance carriers during your SR-22 time period, you may have to pay that filing fee again. If your coverage lapses for any reason – even if it’s just for a day – your SR-22 time period may start over and you may need to pay the filing fee again.
Remember, insurance companies are required by law to report in real time when an insurance policy is cancelled or lapses.
How Much is SR-22 Insurance?
SR-22 is not insurance, but having an SR-22 requirement can raise your auto insurance costs by double or even triple. This is because once you have the SR-22 requirement, you will be considered a high risk to insure. Most drivers who need an SR-22 have been convicted of DUI or DWI, reckless driving, driving without insurance, being involved in an accident without insurance, multiple traffic violations and more.
How to Get SR-22 Insurance with a Suspended License
To file an SR-22, you will need to buy a car insurance policy with an insurance company that offers SR-22 insurance. Not all companies do and some are more expensive. You will need to shop around and compare SR-22 car insurance quotes. The SR-22 does not give you the right to drive on a suspended license; typically, it is something you must obtain to get your license reinstated.
Is Driving With a Suspended License a Felony?
If this is your first offense, maybe you can just get a misdemeanor. But if you’ve already been convicted for driving on a suspended license – or any other major driving infraction – it could escalate to a felony. Either way, it’s not worth it.
In some states, you can apply for a hardship license. A hardship driver’s license typically only allows you to commute between home and work.
Can I Get Arrested for Driving With a Suspended License?
Yes. You will immediately be arrested and taken to jail. Your vehicle may be towed to an impound lot unless there is a suitable driver.
How Long Will My License Be Suspended?
The length of your driver’s license suspension will depend on the severity of the driving offense and the laws of your state.
Suspended License Reinstatement
If you follow specific requirements, known as “conditions for reinstatement,” you may be able to restore your driving privileges. The requirements can vary depending on the reasons why you lost your license and your state laws. For instance, in California, you fulfill your mandatory suspension time, pay the $55 driver’s license reissue fee to the DMV, complete a DUI program and submit a Notice of Completion Certificate, and provide proof of your insurance or financial responsibility (SR-22). Check with your local DMV to find out about the suspended license reinstatement requirements for your state.
How to Check if Your Driver’s License Has Been Suspended
If you suspect that your license may be suspended, you can request a copy of your driving record from the DMV. The report will have the status of your license, information about any tickets you may have, and how many points you have acquired.
What is a Revoked License?
A revocation is permanent termination of your driving privileges. Your license can be revoked if you have not complied with the rules of your driver’s license suspension. It can also be revoked for certain medical conditions, vehicular homicide, drag racing, several convictions of reckless driving, and other serious offenses. Your license can also be suspended or revoked for not keeping up with court-ordered child support payments. There is usually a revocation period. When that time is up, you can apply for a new license. There is no guarantee that you will get it back.
How to Get Affordable SR-22 Insurance Online Today
Freeway Insurance specializes in providing affordable high-risk car insurance including SR-22. We provide you with affordable SR-22 coverage by shopping around for you. We work with the top insurance companies in the country to compare SR-22 rates. This is how we make sure we get the best rates and coverage for you. You can get a free online quote for car insurance or visit us at one of our locations. Please call (800) 777-5620 to speak to a live representative who will give you a free SR-22 quote.