What is SR22 Insurance?
SR22 insurance is a certificate that proves you have the minimum required car insurance coverage for high-risk drivers. It’s not actually a separate type of insurance, but rather a filing that your insurance provider submits to the state of Alabama to confirm your compliance with auto insurance laws.
In Auburn, Alabama, if you’ve been convicted of certain driving offenses like DUI, driving without insurance, or accumulating too many points on your driving record, you may be required to file an SR22 certificate.
What Does SR22 Insurance Mean?
The SR22 insurance certificate serves as proof of financial responsibility. In Alabama, when you’re required to have SR22 insurance, you must maintain it for a specified period, usually three years. If you don’t keep it active, your driver’s license could be suspended.
Why Do I Need Auburn SR22 Insurance?
You may need SR22 insurance in Auburn if you’ve had specific driving infractions such as:
- DUI convictions
- Reckless driving
- Driving without insurance
- Accumulating too many points on your driving record
The SR22 proves you’re financially responsible and have the proper coverage, which is required to reinstate or maintain your driving privileges.
What’s the Difference Between SR22 and Regular Car Insurance?
While regular car insurance meets the state’s basic requirements for coverage, SR22 insurance is a special filing that shows you meet the requirements for high-risk drivers. Here’s the key difference:
SR22 insurance: Proof of financial responsibility for drivers who have been deemed high-risk.
Regular insurance: Proof of standard coverage for drivers with a clean record.
How Much Does Auburn SR22 Insurance Cost?
The cost of SR22 insurance in Auburn, Alabama, varies based on your driving history, coverage needs, and the insurance provider you choose. On average, the filing fee itself is around $25, but your premium may increase due to your high-risk status. Expect to pay higher rates than standard car insurance.
Why Bundling Policies with Progressive Auto Insurance Saves You Money:
By bundling your auto insurance with renters or homeowners insurance, you can:
- Save up to 20%
- Simplify billing with a single provider
- Enhance coverage options
For example, Progressive clients who bundle their auto and homeowners policies save an average of $500 annually.
Local SR22 Filing Tips for Auburn, Alabama
If you’re looking for SR22 insurance in Auburn, Alabama, you can start by:
- Contacting local insurance agencies: Many insurance providers offer SR22 filings.
- Using online quote tools: Get a list of local insurers offering SR22 insurance.
- Visiting an insurance broker: They can guide you through the process of obtaining SR22 insurance.
Ensure you choose an agent who is experienced in handling SR22 filings in Auburn.
How Do I Find the Cheapest SR22 Insurance Near Me?
To find the cheapest SR22 insurance in Auburn, Alabama:
- Get multiple quotes: Compare rates from different insurance providers.
- Bundle your policies: Save by combining SR22 auto insurance with your home or renter’s insurance.
- Look for discounts: Many insurers offer discounts for safe driving or low-mileage driving.
Make sure to choose an insurance company, like A Plus Insurance, that is familiar with Alabama’s SR22 filing requirements.
What Does SR22 Insurance Cover?
Auburn SR22 insurance coverage is the same as standard car insurance and typically includes:
- Liability coverage: Pays for damage you cause to others in an accident.
- Collision coverage: Pays for damage to your car after an accident.
- Comprehensive coverage: Covers non-collision-related incidents like theft or weather damage.
Your insurance provider can help you customize your SR22 policy to meet your needs.
Will SR22 Insurance Cover Me If I Don’t Own a Car?
Yes! If you don’t own a car, you can still get SR22 insurance in the form of non-owner SR22 insurance. This policy provides the necessary proof of financial responsibility for drivers who don’t own vehicles but still need to maintain an SR22 filing for a license or legal requirement.
What Are the SR22 Requirements in Alabama?
In Alabama, the SR22 filing requirements include:
- Minimum coverage: $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage.
- Duration of coverage: Typically, you must maintain SR22 insurance for 3 years, depending on your conviction.
Failure to maintain SR22 insurance can lead to suspension of your driver’s license.
How Long Does It Take to Get SR22 Insurance in Auburn?
Once you’ve completed the paperwork and your insurance provider submits the SR22 filing, it typically takes 24-48 hours for the Alabama DPS to process it. Be sure to confirm with your insurer that your SR22 filing is active and accepted.
What Happens If My SR22 Lapses?
If your Auburn SR22 insurance lapses, your driver’s license could be suspended, and you might have to pay penalties. It’s important to keep track of your policy’s expiration and maintain continuous coverage to avoid complications.
Frequently Asked Questions About SR22 in Auburn
What happens if I cancel my SR22 insurance?
If you cancel your SR22 insurance before the required period ends, your driver’s license could be suspended. It’s essential to keep your SR22 coverage active until the state of Alabama notifies you that you no longer need it.
Does SR22 insurance include liability coverage?
Yes, SR22 insurance typically includes liability coverage. This ensures that you are covered for any damages or injuries caused to others in the event of an accident. However, you may also want to consider additional coverage options depending on your needs.
How can I get SR22 insurance online?
You can easily get SR22 insurance online by comparing quotes from different insurance providers. Look for brokers or agents who specialize in high-risk insurance and are familiar with Alabama’s SR22 filing requirements. Many companies allow you to complete the process entirely online.
What’s the average cost of SR22 insurance?
The average cost of SR22 insurance in Alabama varies depending on your driving history, but it can range from $500 to $2,000 or more annually. Since SR22 is required for high-risk drivers, expect higher premiums compared to regular auto insurance.
Why is SR22 insurance so expensive?
SR22 insurance is typically more expensive because it is required for high-risk drivers who have been involved in traffic violations like DUIs or repeated offenses. Insurance companies charge higher premiums for high-risk policies due to the increased likelihood of claims.
Conclusion
Understanding SR22 insurance in Auburn, Alabama, is essential if you’ve been deemed a high-risk driver. Whether you need it due to a DUI, traffic violations, or for other reasons, knowing how SR22 works will help you stay compliant with state laws. Remember to shop around for affordable options, keep your coverage active, and consult a local agent to ensure you meet all requirements.
Ready to get started? Contact us today for a free quote on SR22 insurance in Auburn, Alabama, and see how we can help you with your coverage needs!
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Last Updated on by Alexis Karapiperis