SR22 Insurance Guide

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Auto Insurance, Now in 34 states!

What SR22 Insurance Means: Your Quick Guide Guide

Are you confused as to what SR22 insurance is? Good news is that you are not alone! In this guide we will go over what SR22 insurance covers, the costs, why it is needed, what SR22 insurance is, who needs it, and which carrier would be the best fit for you!

Auto Insurance, Now in 34 states!

What SR22 Insurance Means: Your Quick Guide Guide

Are you confused as to what SR22 insurance is? Good news is that you are not alone! In this guide we will go over what SR22 insurance covers, the costs, why it is needed, what SR22 insurance is, who needs it, and which carrier would be the best fit for you!

What SR22 Insurance Covers?

Though the name itself may confuse the average person, a SR22 is not actual insurance. However, it does prove that you do carry insurance with a provider. Therefore, it validates that you meet the insurance standards within your state’s requirements.

Is SR22 Insurance Provided with All Insurance Companies?

Unfortunately, not all insurance companies can provide SR22. However, there are still companies out there, such as A Plus Insurance, that are readily available to help you on receiving it!

Two quick solutions to this issue would be:

-Checking with your current Insurance company and asking if they are able to provide you with a SR22.

-Another option is to do some research on insurance companies. If you do not currently have one, gather some information as to which carrier can provide it.

With A Plus Insurance, we offer a variety of carriers to ensure that we will provide you with the SR22 policy in your budget!

What SR22 Insurance Could Cost?

The typical SR22 fee is around $25, although it may be an increased price depending on the state. However, some carriers, such as Dairyland, will not charge a fee when filing for an SR22. After filing for this document, your policy rates are expected to rise. This is not due to the document itself, but, rather due to the violation that occurred in result to obtaining the document.

The SR22 can be categorized into twelve installment payments, or however long of your insurance policy that remains. Unfortunately, some states or providers may require that you pay the amount fully if your auto insurance policy has a SR22 included into it. 

Bristol West$92
The General$99
National General$103
Mendota Ins. Company$105
Progressive Insurance$107
21st Century$112

Do You Need to Have SR22 Insurance if You Do Not Own a Vehicle?

If you have not been State or Court ordered to file for a SR22 then you do not need to worry about having one without owning a vehicle.

On the contrary, you will only need to have an SR22 if the State or Court has ordered for it. This means that if you have been ordered to obtain the document, it is simply to ensure that if you get into an accident while driving in a borrowed or rental vehicle, that you meet the minimum regulations within your state for the insurance coverage liability with bodily injury and/or property damage claims made. Check with your insurance carrier and ask if they have a non-owner SR22 policy.

Non-Owners SR22

A non-owner SR-22 insurance policy is a type of insurance coverage designed for individuals who don’t own a vehicle but still need to fulfill the state’s requirements for SR-22 certification. SR-22 is a form that proves to the state that you have the minimum liability insurance coverage required by law.

Here’s what you need to know about non-owner SR-22 insurance:

  1. Coverage: Non-owner SR-22 insurance provides liability coverage when you drive a vehicle that you don’t own. It typically includes bodily injury and property damage liability coverage. However, it doesn’t provide coverage for the vehicle you’re driving or any damages to it.
  2. Requirement: SR-22 insurance is often required by the state for drivers who have had certain violations, such as DUI convictions, driving without insurance, or multiple traffic offenses. Even if you don’t own a vehicle, you may still need to file an SR-22 to reinstate your driver’s license after such violations.
  3. Cost: Non-owner SR-22 insurance tends to be cheaper than standard auto insurance because it only provides liability coverage and doesn’t insure a specific vehicle. However, the cost can still vary based on factors such as your driving record, age, location, and the amount of coverage required by the state.
  4. Availability: Not all insurance companies offer non-owner SR-22 insurance, so you may need to shop around to find a company that provides this type of coverage. Additionally, not all states require SR-22 certification, so make sure to check your state’s requirements.
  5. Flexibility: Non-owner SR-22 insurance can be beneficial for individuals who frequently borrow or rent vehicles. It provides liability coverage when driving vehicles that belong to others, such as rental cars, friends’ cars, or employer-provided vehicles.
  6. Maintaining Coverage: It’s essential to maintain continuous coverage with non-owner SR-22 insurance to keep your driving privileges. If you let your policy lapse or cancel it, the insurance company is required to notify the state, which could lead to license suspension or other penalties.

If you’re in a situation where you need SR-22 certification but don’t own a vehicle, non-owner SR-22 insurance can provide the necessary coverage to meet your legal obligations.

What is SR22 insurance and when is it needed?

SR22 insurance is not an insurance policy but rather a certificate of financial responsibility that is required for individuals with certain driving violations. It’s often needed after DUIs, at-fault accidents without insurance, or license suspensions.

How long is an SR22 filing typically required?

The duration of an SR22 filing requirement varies by state and the severity of the violation. Generally, it can range from 1 to 3 years. It’s crucial to maintain continuous coverage during the entire period mandated by the state.

Why choose our services for SR22 insurance?

Our agency offers guidance, support, and competitive rates for SR22 insurance. Contact us at 1.888.445.2793 to discuss your SR22 insurance requirements and obtain personalized assistance.

Your Next Move to Gaining SR-22 Insurance

what sr22 insurance texas

In the link below, you can choose which state you will be filing the SR22 in. These pages will give a general idea as to the price range for the SR22 document by each carrier. Always remember that prices are subject to change.



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Last Updated on by Marlon Moss

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