SR22 Auto Insurance: Everything You Need to Know in 21 Key Points

SR22 insurance is a type of auto insurance that is required by the state for drivers who have been convicted of certain traffic violations, such as DUI or reckless driving. SR22 insurance provides proof to the state that the driver has the minimum amount of liability insurance required by law.

What is SR22 Insurance?

SR22 insurance is a certificate of insurance that is filed with the state by your insurance company. The certificate shows that you have the minimum amount of liability insurance required by law and that you are not currently suspended or revoked from driving.

Who Needs SR22 Insurance?

You may need SR22 insurance if you have been convicted of any of the following traffic violations:

• DUI/DWI
• Reckless driving
• Leaving the scene of an accident
• Driving without a license
• Driving with a suspended or revoked license

How to Get SR22 Insurance

To get SR22 insurance, you will need to contact an insurance company and provide them with your driving record. The insurance company will then file the SR22 certificate with the state.

How Much Does SR22 Insurance Cost?

The cost of SR22 insurance varies depending on your driving record and the state in which you live. However, you can expect to pay more for SR22 insurance than you would for a standard auto insurance policy. The average cost of SR22 insurance is between $500 and $1,000 per year.

How Long Do I Need SR22 Insurance?

The length of time that you need SR22 insurance depends on the state in which you live and the type of traffic violation you were convicted of. In most states, you will need to carry SR22 insurance for two to three years.

What Happens if I Don't Have SR22 Insurance?

If you are required to have SR22 insurance and you don't, your license will be suspended. You may also be fined or even jailed.

Benefits of SR22 Insurance

There are several benefits to having SR22 insurance:

• It can help you get your license back after it has been suspended or revoked.
• It can help you avoid fines and jail time.
• It can help you get lower auto insurance rates in the future.

How to Choose an SR22 Insurance Company

When choosing an SR22 insurance company, it is important to compare quotes from several different companies. You should also consider the company's reputation and customer service record.

Here are some of the best SR22 insurance companies:

• Geico
• Progressive
• Allstate
• State Farm
• Farmers

Frequently Asked Questions About SR22 Insurance

Q: What is the difference between SR22 and FR44 insurance?

A: SR22 and FR44 insurance are both types of high-risk auto insurance. However, SR22 insurance is required for drivers who have been convicted of certain traffic violations, while FR44 insurance is required for drivers who have been convicted of more serious traffic violations.

Q: How do I get an SR22 bond?

A: An SR22 bond is a type of surety bond that is used to guarantee that you will pay your SR22 insurance premiums. To get an SR22 bond, you will need to contact a surety bond company.

Q: Can I get SR22 insurance online?

A: Yes, you can get SR22 insurance online from many different insurance companies.

Q: What is the best way to get cheap SR22 insurance?

A: The best way to get cheap SR22 insurance is to compare quotes from several different insurance companies. You should also consider the company's reputation and customer service record.

Conclusion

SR22 insurance is an important type of insurance for drivers who have been convicted of certain traffic violations. It can help you get your license back, avoid fines and jail time, and get lower auto insurance rates in the future. When choosing an SR22 insurance company, it is important to compare quotes from several different companies and consider the company's reputation and customer service record.