How Long Do I Need SR-22 Insurance? | Cost-U-Less Insurance

There are many difficulties associated with having a dui or dwi that can quickly become a real burden on your life. Along with the endless fees, fines, and restrictions, you’ll likely need an SR-22, which is the certificate you file with your state. keep in mind that it is not a type of insurance in and of itself.

having a dui will quickly cause insurance companies to classify you as a high-risk driver. They will require you to file an SR-22 with your state to ensure you meet the minimum liability insurance coverage. Remember that minimum is 15/30/5 ($15,000 bodily injury coverage per person, $30,000 per accident, and $5,000 property damage) in California.

Reading: How long do u need sr22 insurance

In addition, there are other reasons insurance companies may require an SR-22: suspended license, reckless driving, multiple traffic violations, driving without insurance or a license, among others.

I need an sr-22, what should I do?

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The first question you need to answer is how to get SR-22 insurance. Since the only way to obtain an SR-22 is through an insurance provider, you will need a policy to obtain the certificate. if you already have one, your provider can add it. If you don’t have one, or your insurance company doesn’t file the SR-22, you’ll need to shop around for a new policy. keep in mind that it will be high-risk auto insurance and your premiums may go up.

what can i do if my carrier doesn’t offer sr-22 coverage?

If you already have good coverage with a reputable provider, filing for sr-22 non-homeowners insurance with another company could be a great way to go. this policy would be secondary and will not cover any cars (because it excludes any vehicles owned, so it is not dual coverage). In addition, your SR-22 non-homeowner’s insurance must have the same liability limits as your primary policy.

I moved to another state, do I still need an sr-22?

some states do not require an sr-22 filing and have their version of the certificate. remember this if you move to any of these:

  • delaware
  • kentucky
  • minnesota
  • new mexico
  • new york
  • north carolina
  • oklahoma
  • pennsylvania
  • However, never assume you will be blameless if you move to a state that does not use sr-22 verification. in that case, you must work with the state requesting the certificate to obtain the permit and provide valid documents showing that your insurance meets the minimum liability limits.

    how long does the sr-22 last?

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    This is a common question that raises a lot of concerns among high-risk drivers, but it’s important to note that it won’t last forever. so how long do you have to have an sr-22? it depends on your state, most require you to keep it for three years, but can range from one to five.

    Please note that your insurance company is required by law to notify the state if you cancel or let your insurance lapse, resulting in a license suspension. be careful and keep track of your policy.

    how much will an sr-22 cost me?

    While the certificate itself is not very expensive (it ranges from $15 to $25, and is usually a one-time fee), the high costs stem from the violation that led to its submission. An SR-22 requirement will increase your rates, and you’ll likely need to get high-risk auto insurance, which is much more expensive than a regular policy. several years with an sr-22 is annoying enough, so make sure you don’t prolong it any longer than necessary:

    • don’t drink and drive.
    • Avoid driving if you are under medication or drugs.
    • Take a defensive driving course.
    • obey speed limits.
    • stay away from distractions while driving (like texting, eating, etc.).
    • another way to get over an sr-22 is to have a great insurance company on your side. Being a high risk driver doesn’t mean you can’t shop for car insurance, find out how much you can save at a lower cost today. We can help you get back on track with a free sr-22 quote online or over the phone by calling us at (800) 390-4071.

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