SR22 Insurance Guide

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. 

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.

Your Next Move to Gaining SR-22 Insurance

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.

AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

Last Updated on July 22, 2023 by Crystal Farley