How to get sr22 insurance

how to get sr22 insurance

How to Obtain SR22 Coverage

The filing requirements for an SR22 certificate can vary a great deal from state to state. Typically, however, in order to obtain SR22 coverage, an individual should first acquire auto insurance from an insurer that is authorized by his or her state to write financial responsibility insurance policies. The policy must provide an amount of coverage that is at least sufficient enough to meet the state’s minimum liability coverage requirements.

Once the SR22 policy premium has been paid for and the plan is in place, the insured must then direct the insurance company to send the SR22 directly to the Department of State. The cost to file is generally between $15 and $25, and is almost always below $50. Once the form has been filed, there is no need for the driver to carry a copy of the form.

After the SR22 is on file, the state can then issue a letter to the driver, as well as a copy of the SR22 form. This form can work as proof of the SR22 coverage in the case that the driver is stopped by police and needs to show proof of such coverage.

The information about the driver that is listed on the SR22 form will include the following:

  • Driver’s name
  • Driver’s address
  • License number
  • Date of birth
  • Social Security number
  • Auto insurance policy number
  • Make, model, and year of vehicle
  • Beginning and ending dates of auto insurance coverage

It is required that an authorized representative from the driver’s auto insurance company sign and date the SR22 form. Once the form has been signed, it should be submitted to the driver’s Department of Motor Vehicles office.

How Long is an SR22 Required to Remain on File?

The length of time that an SR22 is required will vary from state to state, as well as from person to person. It will also depend in large part on the specific offense that the driver has committed. In most cases, however, drivers should expect an SR22 to remain on file for between one and five years, with two or three years being the average overall.

It is important to note that an SR22 requires that drivers maintain their state-mandated amount of auto liability coverage for the entire term. Therefore, it is mandatory that at minimum, a driver’s auto liability coverage remain in place throughout the entire time that his or her SR22 is on file. Otherwise, if the state is notified that the driver’s auto insurance has been cancelled, the driver’s license could be suspended – or even revoked.

In addition, if a driver currently carries an SR22 in one state but he or

she moves to another state, they must fulfill the SR22 filing period for their former state – even though they no longer reside there. The auto insurance policy that the individual purchases for their new state must also have liability limits that meet the minimums that are required by law in his or her former state.

As long as a driver’s auto insurance policy remains active, his or her SR22 should also remain valid. If at any time the driver’s auto insurance policy is cancelled while he or she is still required to carry an SR22, their insurer will be required to notify the proper state authorities. Doing so could essentially cause the driver to lose their driving privileges.

SR22 Premium Rates

Because SR22 is considered to be high risk coverage, not all insurers carry this type of coverage. It is important to understand that drivers who require this coverage will pay for their auto insurance coverage, with the SR22 as an additional policy endorsement. Therefore, the price for SR22 will actually be in addition to the auto insurance policy premium.

As with other types of coverage, there is no set premium rate for SR22. The cost will be dependent upon the driving risk for each driver. Other factors affecting the SR22 quote can include the state, the driver’s age, gender, and marital status, the vehicle being insured, and the insurer through which the coverage is being purchased.

Due to the convenience of the Internet, those who are in need of SR22 coverage can obtain quotes and comparisons quickly and easily online. Oftentimes, online SR22 insurers will also allow website visitors to ask questions via email, toll-free telephone calls, or live online chat. This can help to answer immediate concerns and keep the quote and application process moving so that coverage can be obtained more efficiently.

States that Don’t Require SR22 Insurance Filing

There are some states that do not require the filing of SR22 certificates. At this time, these states include:

  • Delaware
  • Kentucky
  • Minnesota
  • New Mexico
  • New York
  • North Carolina
  • Oklahoma
  • Pennsylvania

However, it is important to note that if a driver was issued an SR22 while he or she was in another state, then they will be required to continue those guidelines in the state where they received it.

As an example, if an individual received an SR22 while in Missouri, but then they moved to Kentucky, they would need to follow the SR22 requirements in Missouri until they have completed the full amount of time required by the state of Missouri. In this case, they would still obtain auto insurance for Kentucky, however, they would need to continue filing in Missouri.


Category: Insurance

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