Dohman Law Group Logo

What is SR-22 insurance?

Updated on December 5, 2023 → Under

SR-22 insurance is necessary after certain offenses. An SR-22 certificate of insurance is required when drivers have been caught without insurance or have had their licenses suspended or driving privileges revoked due to traffic violations. It provides proof of insurance coverage by an insurance provider and allows drivers back on the road.

SR22 insurance is a certificate that must be filed with the DMV, showing minimum insurance requirements and financial responsibility. It guarantees that drivers meet all driving obligations, like having liability insurance.

The duration of the SR-22 requirement varies by state, typically lasting one to three years. SR-22 driver insurance is more expensive due to the driver's violation record. Additional SR-22 filing requirements may include driver safety courses or traffic school.

If you have been been caught without insurance, have had your license suspended or driving privileges revoked due to traffic violations, an experienced traffic attorney can help guide you in the right direction regarding SR-22 insurance.

Contact Dohman Law Group's skilled Wheaton traffic attorneys at (847) 359-4005 to schedule a FREE consultation for more information regarding SR-22 filing fees and insurance agent requirements.

How long do you need to have SR-22?

The length of time you need to have SR-22 insurance will depend on the state that you live in and the reason why you are required to carry it. Generally, an SR-22 is required for at least three years after being convicted of a serious traffic violation or DUI/DWI offense.

The exact length of time may also be determined by the court or your state’s motor vehicle department.

Common Reasons Drivers are Required to Get SR-22

SR-22 insurance is often referred to as a “high-risk” policy, and it’s required for drivers who want to keep their license after they’ve been in an at-fault accident or convicted of certain traffic violations. It’s important to note that SR-22 coverage is not an auto insurance carrier policy; instead, it serves as proof that you have minimum liability coverage.  Common reasons why drivers are required to get SR-22 include the following:

Driving Under the Influence (DUI)

SR-22 insurance is a type of high-risk auto insurance that is required by law for drivers who have been convicted of driving under the influence (DUI). It is sometimes referred to as “proof of financial responsibility” and serves as an assurance that the driver will remain financially responsible in the event they are involved in an accident.

SR-22 insurance increases insurance premiums and provides extra coverage in case of an accident caused by a DUI driver. It also proves to the state that the driver has fulfilled their financial responsibilities and can drive legally again.

Reckless Driving

Reckless driving carries severe consequences, including the need for SR-22 insurance. SR-22 insurance from auto insurance companies is required by the state for certain traffic violations to prove financial responsibility.

Traffic Offenses

SR-22 insurance is a form of car insurance for drivers who have committed serious traffic offenses. It is required by most states as a way to demonstrate financial responsibility and prove that a person can pay the minimum liability coverage amounts for damages they cause while driving.

SR-22 car insurance typically has higher insurance rate premiums than standard auto insurance policies, but it also provides more coverage. In addition to the regular liability coverage, SR-22 auto insurance provider policies also provide coverage for uninsured motorists and medical payments.

Other Violations Resulting in a License Suspension or Revocation

When you have been convicted of certain traffic offenses, such as driving under the influence (DUI) or a hit-and-run accident, your license can be suspended or revoked. In some cases, even having too many moving violations can result in a suspension.

To get your license reinstated after it has been suspended or revoked due to these types of convictions, you may be required to obtain SR-22 insurance. This type of insurance provides proof to the state that you have adequate property damage liability and financial responsibility insurance to legally drive again.

Car insurance paperwork with toy car and keys.

Understanding the Requirements of SR-22 Insurance

SR22 coverage insurance is a form of financial responsibility required by certain state governments for drivers who have committed certain types of traffic violations or been involved in “at-fault” accidents.

SR22 insurance is sometimes referred to as a Certificate of Financial Responsibility (CFR) and is only needed when a driver has had their license suspended, revoked, or otherwise not in good standing with the state.

To obtain SR22 insurance coverage requirements, drivers must first purchase an auto insurance policy that meets the minimum requirements of their state and then file an SR-22 form with their state’s Department of Motor Vehicles (DMV).

The SR-22 is typically provided by the driver’s insurance company and serves as proof that they have proper insurance and carry enough coverage to legally drive. In addition to the SR-22 form, drivers may also be required to carry a specific amount of liability limits coverage for a certain period to maintain their license.

How Much Does SR-22 Insurance Cost?

SR22 insurance is a type of auto liability insurance that is required during a certain time frame by certain states for high-risk drivers. It is often referred to as a “certificate of financial responsibility” and it serves to show proof that the driver has sufficient coverage for any damages they may cause in an accident. For a driver to obtain this type of insurance, they must first be approved by an insurance company and then file an SR-22 form with their state’s Department of Motor Vehicles (DMV).

The costs of SR-22 vary by insurer. Insurance quotes for SR22 insurance vary depending on the insurance company, the time period required, whether the driver previously had a clean driving record and the amount of coverage they choose to carry.

To get cheap SR-22 insurance you need to ring around to different auto insurers. Generally speaking, drivers can expect to pay more for SR22 insurance than they would for a standard auto insurance policy. On average, SR22 insurance policies cost between $15 and $25 per month.

For further support for SR-22 insurance and non-owner car insurance call the experienced lawyers at Dohman Law Group at (847) 359-4005 or contact us online for a free consultation.

Home
Free
Case
Review
Text Us
homebubblecrossmenu linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram