Getting a DUI or DWI conviction can have a significant impact on your driving record and insurance rates. One of the requirements for reinstating your driver’s license after a DUI or DWI conviction is obtaining an SR22 certificate of insurance. An SR22 is a form that your insurance company sends to the Department of Motor Vehicles (DMV) to demonstrate that you have auto insurance that meets the state’s minimum liability requirements. Not all insurance companies provide this type of certificate. In this article, we will discuss which insurance companies offer SR22 insurance.
What is SR22 Insurance?
SR22 Insurance is not a type of insurance policy but rather a certificate of insurance that proves you have the minimum coverage required by your state. Getting an SR22 can be a hassle and may come with higher insurance rates. It may vary by state, but in general, SR22 requirements involve carrying liability insurance that is higher than the state minimum. An SR22 is often required for a certain number of years and typically applies to high-risk drivers who have been convicted of DUI or DWI.
What Are the Benefits of SR22 Insurance?
The primary benefit of SR22 insurance is that it allows you to get your driver’s license back after a suspension or revocation. Without it, you wouldn’t legally be allowed to drive. Another benefit is that having SR22 insurance can help you avoid fines or other penalties associated with driving without proper insurance coverage in the long run.
What Are the Downsides of SR22 Insurance?
The primary downside to SR22 insurance is the cost. It is generally much more expensive than regular car insurance. Not only will you have to pay higher premiums, but you may also have to pay a one-time fee to file the SR22. Additionally, if your policy lapses or is cancelled, your insurance company may notify the DMV, which could result in another suspension or revocation of your driver’s license.
Which Insurance Companies Offer SR22?
Not all insurance companies offer SR22 insurance, so it can be challenging to find the right provider. Here are some of the companies that offer SR22 insurance:
Insurance Company |
Contact Details |
|---|---|
Geico |
Website: www.geico.com |
State Farm |
Website: www.statefarm.com |
Progressive |
Website: www.progressive.com |
Nationwide |
Website: www.nationwide.com |
Esurance |
Website: www.esurance.com |
Geico
Geico is known for providing affordable car insurance rates to drivers who require SR22 insurance. The company offers various types of coverage such as liability, collision, and comprehensive. Geico is well known for its exceptional customer service and ease of use, making it a popular choice for those looking to obtain an SR22 certificate.
Geico requires drivers to carry liability coverage that meets the state’s minimum requirements. For those needing an SR22, Geico will file the necessary forms with the state on their behalf. The company will also notify the DMV of any lapses in coverage or cancellations.
Geico offers competitive premiums for those needing SR22 insurance, and its website makes it easy to obtain a quote and purchase coverage quickly.
State Farm
State Farm is one of the largest car insurance companies in the US and is known for its excellent customer service. The company provides SR22 insurance to drivers who have been convicted of DUI or DWI. State Farm offers various types of coverage, including liability, collision, and comprehensive insurance.
State Farm requires drivers to carry liability coverage that meets the state’s minimum requirements. They also offer non-owner SR22 insurance policies for those who do not own a car but still need to meet the state’s SR22 requirements.
State Farm makes it easy to obtain an SR22 certificate, and its website provides various resources for drivers who need assistance with their insurance policy. They also offer a mobile app for managing policy information on the go.
Progressive
Progressive insurance is known for its unique pricing structure, which allows drivers to customize their policy and save money. The company offers various types of coverage, including liability, collision, and comprehensive insurance. Progressive also provides SR22 insurance to drivers who have been convicted of DUI or DWI.
Progressive requires drivers to carry liability coverage that meets the state’s minimum requirements. They offer non-owner SR22 policies for those who do not own a car but still need to meet the SR22 requirements. Progressive also offers discounts to drivers who complete a defensive driving course or maintain a clean driving record.
Progressive has an easy-to-use website that allows drivers to obtain an SR22 certificate quickly. They also provide excellent customer service and a mobile app for managing policy information on the go.
Nationwide
Nationwide insurance is a large insurance company with a solid reputation for providing affordable insurance to drivers. The company offers various types of coverage, including liability, collision, and comprehensive. Nationwide also offers SR22 insurance to drivers who have been convicted of DUI or DWI
Nationwide requires drivers to carry liability coverage that meets the state’s minimum requirements. They also offer non-owner SR22 policies for those who do not own a car but still need to meet the state’s SR22 requirements.
Nationwide offers competitive premiums for those needing SR22 insurance and provides an easy-to-use website for obtaining a quote and purchasing a policy. They also offer various resources for drivers who need assistance with their policy.
Esurance
Esurance is an insurance company that operates exclusively online. The company provides various types of coverage, including liability, collision, and comprehensive. Esurance also offers SR22 insurance to drivers who have been convicted of DUI or DWI.
Esurance requires drivers to carry liability coverage that meets the state’s minimum requirements. They also offer non-owner SR22 policies for those who do not own a car but still need to meet the SR22 requirements. Esurance provides competitive premiums for those needing SR22 insurance.
Esurance’s website is easy to use and provides various resources for drivers who need assistance with their policy. They also offer a mobile app for managing policy information on the go.
FAQ About SR22 Insurance
How Long Do I Need to Have SR22 Insurance?
The length of time you need to carry SR22 insurance varies by state and is generally between one and five years. You will typically be required to carry it for three years in most states. It’s essential to keep your coverage up to date during this time to avoid any additional penalties or fines.
How Much Does SR22 Insurance Cost?
The cost of SR22 insurance varies by state and by the insurance company. Generally, the cost of an SR22 certificate is low, but the added cost of required insurance coverage will be higher than regular insurance rates. Factors such as your age, driving history, and the type of car you drive will affect the cost of your insurance premium.
What Happens If I Don’t Obtain SR22 Insurance After a DUI Conviction?
If you don’t obtain SR22 insurance after a DUI conviction, your driver’s license will remain suspended, and you may face additional fines and penalties. You won’t legally be allowed to drive until you obtain the SR22 certificate and fully comply with your state’s requirements.
Can I Get SR22 Insurance Without a Car?
Yes, you can obtain non-owner SR22 insurance. This type of policy provides liability coverage for drivers who don’t own a car but still need to meet the SR22 requirements. Non-owner policies are typically less expensive than regular car insurance policies.
How Do I Obtain SR22 Insurance?
To obtain SR22 insurance, you will need to contact an insurance company that offers this type of coverage. You can often obtain a free quote online or call the company directly. Once you purchase a policy, the insurance company will file the SR22 form with the DMV on your behalf.
Conclusion
If you have been convicted of DUI or DWI, getting an SR22 certificate of insurance is a requirement to get your driver’s license back. Not all insurance companies offer this type of certificate, so it’s essential to do your research and find a provider that offers the coverage you need at a reasonable cost. The companies listed above are some of the best options for obtaining an SR22 certificate, but be sure to compare rates and obtain quotes from multiple providers before making a decision.