Liability Sample Quote: Rating Factors

Liability Sample Quote: Insurance Rate Factors

Discounts Applied to this Liability Sample Quote:

Additional Notes: This person now has a good driving record but still needs to carry an SR-22 for a certain period of time.

Disclaimer: The purpose of this page is to showcase an estimate of what insurance may cost an individual with these products and/or circumstances. This is based on a real Liability sample quote.

What Is An SR-22

An SR-22 is a certificate of financial responsibility that is sometimes required by certain individuals to reinstate or maintain their driving privileges. It is not actually an insurance policy, but rather a form that your insurance company files with the relevant state department or motor vehicle agency on your behalf.

The SR-22 is typically required for drivers who have been involved in serious traffic offenses or violations, such as driving under the influence (DUI) or driving without insurance. It serves as proof that you have the required liability insurance coverage to meet the state’s minimum insurance requirements.

When you obtain an SR-22, your insurance company is obligated to notify the state if your insurance policy lapses or is canceled. This is why an SR-22 is often associated with higher-risk drivers or those with a history of violations. It helps the state monitor these individuals and ensures that they maintain continuous insurance coverage.

It’s important to note that not all states require an SR-22, and the specific rules and regulations can vary by state. If you are required to have an SR-22, you should contact your insurance company to request it. They will file the form on your behalf, and you may need to pay a fee for this service. The length of time you are required to carry an SR-22 can also vary depending on the state and the reason for the requirement, but it is typically a few years.