In many cases, you'll need to prove to your state that you're maintaining proper car insurance coverage before you can get back on the road. This is where SR-22 requirements come into play.
This article will explain what an SR-22 is, how to get it, and what it will cost you.
What is SR-22 Insurance?
Once you commit a serious traffic violation, you may need SR-22 insurance. Despite its name, SR-22 insurance isn’t insurance. Instead, it’s a piece of paper your car insurance company files with the state to prove that you have the minimum required car insurance.
"Think of an SR-22 form as a 'babysitter' that ensures you keep your insurance policy active and valid," says Evan Marcotte, owner at 5-Star Insurance. SR-22s are mandated in all states except for Virginia and Florida, which require FR-44s instead.
Who Needs SR-22 Insurance?
If you have to fulfill an SR-22 requirement, you should receive a notice from your state. SR-22 insurance is usually a legal requirement in these situations:
- DWI or DUI charges: Driving under the influence of alcohol or drugs puts you and other drivers in danger. If you receive a DWI or DUI, you'll likely have to file an SR-22 form with your state.
- Leaving the scene of an accident: In most states, drivers must stop at the scene of a car accident to assess any property damage and injuries. If you drive away, even when it's safe to stop, you may be on the hook for an SR-22.
- Driving without an auto policy: Since auto insurance is legally required in almost every state, you may get hit with an SR-22 if you get caught driving without the minimum liability coverage in your state. An SR-22 might reinstate your driving privileges.
- Repeated driving offenses: If you have multiple traffic violations within a short period of time, an SR-22 might be required. Note that this may occur for both minor and major violations.
- Legal issues: In some legal cases, SR-22 insurance may be a penalty. For example, if you're behind on child support payments, fail to appear in court, or ignore court fees, an SR-22 might apply.
How to Get SR-22 Insurance
Fortunately, it's fairly simple and straightforward to get an SR-22 form. Here are the steps involved:
- Understand the SR-22 requirements in your state: SR-22s vary by state. Make sure you understand minimum liability coverage and how long you need this certificate.
- Check with your car insurance company: Not all insurance companies file SR-22s. Contact your current insurer or insurance agent and find out whether you can stick with them or look elsewhere for an SR-22.
- Find a new insurance provider: If your auto insurance company doesn't file SR-22s, you'll need to find another one. Shop around and request car insurance quotes from at least a few insurers to find the most affordable option.
- Ask the insurance company to file the SR-22: Let the car insurance company know that you need to file an SR-22 certificate with your state. Once you share your personal information, they should be able to complete this process on your behalf. Be prepared to pay a small filing fee.
How Much Does SR-22 Insurance Cost?
SR-22 insurance typically costs $1,200 to $3,000 or more per year, plus a filing fee of $15 to $50. Here's what affects your costs:
- Why costs increase: "The fact that you have to file an SR-22 may not directly affect premiums, but the reason that you have to file an SR-22 definitely will," explains Melanie Musson, car insurance expert at Clearsurance.com. Since you'll be seen as a high-risk driver, you can expect your car insurance rates to go up.
- Filing fees: The good news is that the SR-22 form itself is affordable. There's usually a filing fee of $15 to $50 that you'll need to pay to your insurance company.
- How to save money: To keep your SR-22 expenses to a minimum, comply with the laws in your state and hold onto the SR-22 for as long as you need to. You can also take advantage of various discounts and improve your credit score. Don't forget to drive responsibly to avoid additional traffic violations and keep your record in good shape.
How Long Do You Need SR-22 Insurance?
Your state will dictate how long you’ll need SR-22 insurance. Your violation and particular situation will also play a role in the time frame. “In some cases, you may need to file for a year, but in other situations, you may require three years. Usually, after three years of good driving, you will not be required to file anymore,” elaborates Musson.
Keep in mind that the clock typically starts ticking from the day your license gets reinstated, but if your policy lapses or cancels, it might reset. Therefore, it’s essential to become familiar with how SR-22 insurance works and keep your form for as long as your state says you need to.
Additionally, SR-22 certificates don’t automatically transfer from one state to another, meaning it’s up to you to update your insurance if you move to a different state. Your insurer will likely ask you for a license in your new state.
Bottom Line: SR-22 Insurance
If you're required to file an SR-22, don't panic—the process is straightforward and manageable. Your insurance costs will increase since you'll be classified as high-risk.
However, maintaining continuous coverage and driving responsibly will help you get through the requirement period and eventually return to standard rates. Work with an insurance company that files SR-22s, stay compliant with your state's requirements, and focus on rebuilding your driving record.
Frequently Asked Questions
Why would someone need an SR-22?
An SR-22 is typically required after a major traffic violation, like a DUI or driving without insurance. You may also have to obtain it if you flee the scene of an accident or face legal challenges.
How do you get an SR-22?
First, you’ll need to reach out to your insurer or another insurance company that offers SR-22 filing. Once you provide them with your information and pay a filing fee, they can file the SR-22 certificate for you.
Is there a cost associated with an SR-22?
Yes, most car insurance companies impose filing fees for SR-22 forms. These may range from $15 to $50.
