If you have been convicted of certain driving violations, such as driving under the influence (DUI) or driving without insurance, you may be required to obtain an SR22 filing. An SR22 is a document that your insurance company files with your state’s Department of Motor Vehicles (DMV), certifying that you have the required minimum car insurance coverage. While an SR22 can be expensive, there are ways to find cheap insurance SR22.
What is SR22 Insurance?
SR22 insurance is not actually insurance – it is a form that your car insurance company files with the DMV to prove that you have the required minimum insurance coverage. Every state has its own minimum coverage requirements, but most require liability insurance that covers bodily injury and property damage.
If you have been convicted of certain driving violations, you may be required to file an SR22 for a specified period of time. These violations can include:
- DUI or DWI
- Driving without insurance
- Driving with a suspended or revoked license
- Reckless driving
Filing an SR22 can be expensive, as insurance companies may see you as a higher risk driver. However, there are ways to find cheap insurance SR22.
How to Find Cheap Insurance SR22
Getting a DUI or other driving violation can be costly. Not only can fines and legal fees add up, but you may see an increase in your car insurance rates as well. However, there are ways to find affordable insurance with an SR22 filing.
Shop around for quotes
One of the best ways to find cheap insurance SR22 is to shop around for quotes from different insurance companies. Rates can vary widely from company to company, so it is important to get quotes from several different providers to find the best deal.
You can get quotes online from various insurance companies or work with an independent insurance agent who can help you compare rates from multiple providers. Be sure to ask about discounts that you may be eligible for, such as safe driver discounts or discounts for multiple cars.
Consider liability-only coverage
If you are looking for cheap insurance SR22, you may want to consider liability-only coverage. While this type of coverage does not cover damage to your own vehicle, it can be a more affordable option that meets the minimum insurance requirements in your state.
Keep in mind that liability-only coverage does not cover damage to your own vehicle in the event of an accident. If you are still making payments on your car, your lender may require you to carry full coverage insurance, which includes collision and comprehensive coverage.
Take a defensive driving course
Some insurance companies offer discounts for completing a defensive driving course. Not only can this help you save money on your insurance premiums, but it can also improve your driving skills and make you a safer driver.
Be sure to check with your insurance provider to see if they offer a discount for completing a defensive driving course, and make sure to choose a course that is approved by your state.
Look for discounts
In addition to safe driver discounts and discounts for completing a defensive driving course, there are other discounts that you may be eligible for. Some insurance companies offer discounts for:
- Good grades (for students)
- Low mileage
- Affiliation with certain organizations or groups
Be sure to ask your insurance provider about any discounts that you may be eligible for. Even a small discount can help lower your insurance premiums and save you money in the long run.
Closing Thoughts
If you have been convicted of a driving violation and are required to file an SR22, it is important to find affordable insurance coverage. By shopping around for quotes, considering liability-only coverage, taking a defensive driving course, and looking for discounts, you can find cheap insurance SR22 and save money on your car insurance premiums.
FAQ
What is an SR22 filing?
An SR22 is a document that your car insurance company files with the DMV to prove that you have the required minimum insurance coverage. It is typically required for drivers who have been convicted of certain driving violations, such as DUI or driving without insurance.
Is SR22 insurance expensive?
SR22 insurance can be more expensive than regular car insurance, as insurance companies may see you as a higher risk driver. However, there are ways to find cheap insurance SR22.
How can I find cheap insurance SR22?
You can find cheap insurance SR22 by shopping around for quotes, considering liability-only coverage, taking a defensive driving course, and looking for discounts.
What is liability-only coverage?
Liability-only coverage is a type of car insurance that only provides coverage for damage or injuries that you cause to others in an accident. It does not cover damage to your own vehicle.
Sample Car Insurance Quotes
Insurance Company |
Liability-Only Coverage |
Full Coverage |
State Farm |
$450/year |
$1,200/year |
Geico |
$350/year |
$1,050/year |
Progressive |
$400/year |
$1,300/year |
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