Are you required to have SR22 insurance? If you’ve committed a driving violation, such as a DUI or driving without insurance, you may be required by the state or court to file an SR-22 form. An SR22 guarantees to the state that you have at least the minimum liability car insurance coverage required.

If you’re required to file an SR-22 form, you’ve probably heard the term SR22 insurance used. While it’s not actually a different type of insurance from your traditional car insurance, it’s often called SR22 insurance because it affects your car insurance coverage and cost. The average cost for car insurance when you need an SR22 after a DUI is 52.5 % higher than car insurance for drivers with a clean record.

You’ll be required to have SR22 insurance for two to three years, depending on your violation. If you were driving without car insurance, you’ll need it for three years. If you committed an alcohol offense, a moving violation or have a car accident judgement against you, you’ll need it for two years. You must maintain your SR22 insurance throughout the duration of your required filing period. If your policy is cancelled and you have a lapse in coverage, you could have an additional license suspension and could have to start the SR22 insurance policy over again.

If you fulfill all your requirements associated with your violation, keep a clean driving record and maintain your SR-22 insurance for your filing period, your car insurance rates may decrease once your filing period is over.

However, if you don't own a vehicle, it may be harder to get an SR-22 because you will need proof of insurance to obtain the certificate. If this is the case, you should purchase a non-owner car insurance policy before filing for an SR-22 certificate. A non-owner policy may be less expensive than a standard auto insurance policy, because it doesn't provide coverage for material damages to your vehicle. Give us a call to help 225 255 0860 or fill out or quoteform .