Sr22 with Insurance: What You Need to Know

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When you’re looking for car insurance, you may hear the term “SR22” thrown around. But what exactly is SR22, and why might you need it? In this article, we’ll break down the basics of SR22 insurance and give you everything you need to know.

Table Contents show

What is SR22 Insurance?

SR22 is not actually insurance in itself. Instead, it’s a form that your insurance company files with the state to show that you have the required minimum insurance coverage. If you’re required to have SR22, it usually means that you’ve had some kind of driving infraction, like getting a DUI or driving without insurance. SR22 is a way for the state to make sure that you’re meeting the legal requirements for driving.

It’s important to note that not every state requires SR22. The states that do require it are: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming. If you don’t live in one of these states, you won’t need to worry about SR22.

Why Do You Need SR22 Insurance?

If you’ve had a particularly serious driving infraction, like a DUI, you may be required to have SR22. This is because you’re now considered a high-risk driver, and the state wants to make sure that you’re taking steps to stay safe on the road. If you’re required to have SR22, you’ll need to maintain it for a certain amount of time (usually three years) without any further incidents in order to get back to normal insurance rates.

How Do You Get SR22 Insurance?

If you’re required to have SR22, you’ll need to contact your insurance company to let them know. They’ll then file the necessary paperwork with the state. You may need to pay a fee for this service, so check with your insurance company to find out exactly what you’ll need to pay.

Keep in mind that because you’re considered a high-risk driver with SR22, your insurance rates may go up. You can still shop around for different insurance companies to find the best rates, but keep in mind that not all insurance companies offer SR22 coverage.

FAQ

Question
Answer
What infractions might require SR22?
Examples include DUI, driving without insurance, multiple traffic violations, and at-fault accidents.
How long do I need to maintain SR22?
It varies by state, but usually it’s three years.
Will my insurance rates go up with SR22?
Most likely, yes. You’re considered a high-risk driver, so insurance companies may charge you more.
Can I shop around for different SR22 insurance companies?
Yes, but not all insurance companies offer SR22 coverage. Be sure to check with the company to see if they offer SR22 before you sign up for a policy.

Conclusion

If you’re required to have SR22 insurance, it can be stressful and expensive. However, it’s important to remember that it’s a temporary requirement to ensure that you’re taking steps to drive safely. Follow all driving laws and maintain your insurance coverage, and you’ll be back to normal insurance rates before you know it.

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