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SR 22 Insurance

SR 22 insurance is a necessity for drivers categorized as high-risk and who want to continue having driving privileges. It is not an insurance policy but is an add-on to a personal automobile liability policy that meets the state’s standards of insurance. It is a required document that must be provided to most of the Department of Motor Vehicle (DMV) offices by drivers who have a high-risk driving status. Also, please note that SR 22 insurance is often referred to as a certificate of insurance or a financial responsibility filing. The requirements for SR 22 insurance vary from state to state.

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Who needs SR 22 insurance?

  • Multiple traffic offenses
  • Uninsured car accident
  • Driving under the influence (DUI)
  • Driving while intoxicated (DWI)
  • Serious moving violations
  • License suspension

Drivers who have been involved in multiple traffic offenses may be required to purchase SR 22 insurance to continue having driving privileges.

Individuals involved in a car accident but were negligent in their responsibility to obtain car insurance would be another case for proof of SR 22 insurance. SR 22 would cover the property damage and the liability in a future accident. The requirement for SR 22 for drivers convicted of driving without insurance can be up to 3 years.

Driving under the influence (DUI) is a driving crime. When a driver’s ability to operate a motor vehicle safely is altered by alcohol or drugs, it can be a traffic hazard with deadly consequences. A DUI is a serious driving offense. When convicted of a DUI, the driver will be required to carry SR 22 insurance for up to 3-5 years, depending on the state.

Driving while intoxicated or driving while impaired (DWI) is another driving crime. A driver can be charged if his or her blood alcohol level is .08 or higher. This level of alcohol content can have a negative effect on a driver’s ability to operate a motor vehicle safely. If a driver is convicted of a DWI, he or she would be required to carry SR 22 insurance for 3-5 years as well.

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When a driver is involved in a serious driving violation and is charged with reckless driving, they can be required to obtain SR 22 insurance to continue the privilege of driving. Depending on the seriousness of the charge, they could have their driver’s license suspended. During the suspension, they would not be able to go. However, after the duration of their penalty and when the suspension is lifted, they would be required to carry SR 22 insurance to continue driving.

Obtaining SR 22 Insurance

If you have been charged with a driving violation and must obtain SR 22 insurance, you first need to know that the requirements vary from state to state. Also, you must understand that not every automobile insurance provider carries SR 22 insurance. There are specific regulations required by the state for these providers.

The companies that provide the SR 22 insurance certificate must be licensed within their state. You must find a company that can legally issue the certification in your state and provides the Department of Motor Vehicles with the required document.

If your current insurance company does not issue SR 22 insurance, then you will need to check elsewhere. When you find an insurance company provider who is legally licensed in your state, you will need to share that information with your base automobile insurance company. After a driving violation and conviction, the court and the DMV can give you information regarding SR 22 insurance in your state.

What is the cost of SR 22 insurance?

The cost to add-on SR 22 insurance has a different rate depending on the state. The average cost for an SR 22 insurance policy with one DUI offense is $230.00 a month or $2,760.00 a year on top of your base liability coverage, which will, in turn, go up because of the driving offense. It is a domino effect of cost.

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The insurance company issuing the SR 22 certificate of insurance will charge a processing fee on average between $15.00 up to $50.00.

There are a lot of factors that weigh in on the cost. One DUI will make your rate go up to an average of 89%. Depending on the seriousness of the conviction, it can go up as high as 375%. The rates are dependent on the state, your location, your driving record, and the type of vehicle that you drive.

Unfortunately, driving irresponsibly does not pay but costs higher risk drivers for the long haul. SR 22 insurance is necessary for those drivers, so it is crucial to find a company that can legally issue it.

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