SR22 Insurance FAQ

What is an SR22 insurance policy?

An SR22 is a document filed by your insurance company that shows proof of your financial responsibility and verifies that you have the state’s minimum auto liability insurance to get your driver’s license reinstated from your state’s DMV.

Who needs an SR22?

You'll need an SR22 if you have been arrested and convicted, but not limited to, one of the following:

• Driving without insurance.
• You have been convicted of a DUI/DWI.
• Have had an at-fault accident while driving without insurance.
• Have repeat traffic offenses or getting too many tickets in a short period of time.
• Your license has been suspended or revoked for any other reason.

Where do I get SR22 quotes?

SR22 Insurance Quotes.com can help you with getting your free SR22 quotes, fast and confidential! We have been helping people, just like you, for over twenty years with their insurance needs. Just type your zip code into the box below to get started right now.

How long do I need SR22 auto insurance?

The minimum is usually 3 years, depending on your state’s requirements outlined in your court documents.

Important!!

You must carry continuous insurance during the specified probationary period before your SR22 status can be removed. If your policy lapses, even for as little as one day or is canceled, your insurance company is required by law to notify your state’s DMV immediately and your license will be suspended or revoked again. This will undoubtedly cost you more money and time, something neither you nor us want to see happen. Remember to pay your SR22 policy premiums 3-6 months in advance to avoid this hassle!

What is non-owner SR22 insurance?

Even though you don't own a vehicle you may still be required to carry an SR22. This is called a non-owners SR22 insurance policy. The vehicle isn't covered by the SR22 or the non-owners policy. This type of insurance policy only covers liability up to the limits purchased. It does not cover the vehicle that you are driving, only the liability that you the driver may cause if you are involved in an accident with another motorist or cause property damage.

How long do I need non-owner SR22 insurance?

The minimum is usually 3 years, depending on your state’s requirements outlined in your court documents.

Important Please Read!!

You must carry continuous insurance during the specified probationary period before your non-owner SR22 status can be removed. If your policy lapses, even for as little as one day or is canceled, your insurance company is required by law to notify your state’s DMV immediately and your license will be suspended or revoked again. This will undoubtedly cost you more money and time, something neither you nor us want to see happen. Remember to pay your non-owner SR22 policy premiums 3-6 months in advance to avoid this hassle!

Where do I get non-owner SR22 insurance quotes?

SR22 Insurance Quotes.com can help you get fast, free, and competitive non-owner SR22 insurance quotes, as we have partnered with the top SR22 insurance providers in your area to assist you with your SR22 insurance requirements. Just enter your zip code into the box below to find the top non-owner SR22 providers in your area.

How do I reinstate my driver’s license after I have my SR22 auto insurance?

Once the insurance company has issued an SR22 policy, they will either fax the necessary forms to your state’s DMV. Then the DMV will notify you, usually by mail, that your license has been reinstated and you can start driving again. Or you will need to obtain copies of your Sr22 insurance policy and take them to your local DMV to get your license reinstated.

This procedure will vary from state to state, be sure to ask your insurance provider what the policy and procedures are to get you license reinstated.

What are the penalties for driving without SR22 insurance?

The penalties for driving without SR22 insurance definitely vary from state to state, but some penalties that could be imposed are:

• Your vehicle getting impounded and your vehicle tags seized!
• Additional and heavier fines imposed!
• A longer license suspension period!
• Check your state’s SR22 insurance page for more information (link to the state page)

What if I’m involved in an accident driving without SR22 insurance?

The consequences for being involved in an accident without SR22 insurance are very serious and speaking with an experienced attorney in your area before you go to court would be a good idea. If convicted you could be personably held responsible for, but not limited to the following:

• Repair costs to the other vehicle(s) and the vehicle you were driving
• Property damage to all participants involved
• Personal injuries claims from all participants
• Fines for driving without insurance!
• A chance at losing your driver’s license for a lengthy period of time that would be determined at a later date by the court.
• And worst case scenario, Jail time!