How Much Does SR-22 Cost?
Insurance companies charge a one-time filing fee of between $25-$50 to register your SR-22 with the state. On average, drivers who must file an SR-22 will be looking at an increase of $400-$1,000 in their auto insurance premium. The amount you will pay as a driver with an SR-22 depends on the state you live in, who you insure with and other factors. Some insurance companies won’t insure someone who has to file an SR-22.
High-risk insurance is more expensive than regular auto insurance. That’s because those who must file an SR-22 with their state have been classified as high-risk drivers. To an insurance company, that means the possibility of a claim is higher. To them, your record speaks for itself. It’s always a good idea to shop around and compare car insurance quotes.
Freeway Insurance will insure motorists with an SR-22 burden. And we’ll work with you to make it as affordable as possible while you work hard to improve your record going forward.
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What Do I Need to Know about SR-22 Insurance?
Also referred to as a Certificate of Financial Responsibility, SR-22 form, or SR-22 bond, an SR-22 is not an actual insurance policy. It is a court ordered government form filed with your state’s Department of Motor Vehicles. It serves as proof of insurance to allow mainly high-risk drivers to drive legally. If you do not follow your state’s requirement to file an SR-22 certificate, you may lose your driving privileges through a license suspension.
Some states do not require filing an SR-22 form. These states include Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania. Other states, such as Florida and Virginia, require a separate FR-44 form for alcohol and substance-related DUI violations.
SR-22 requirements vary by state. States that require an SR-22 want to make sure that high-risk drivers have insurance before they get on the road. You may be considered a high-risk driver if you have:
- Been convicted of DUI or DWI
- Caused a car accident resulting in injuries
- Received a ticket for driving without an active insurance policy
- Accumulated excess points against your driver’s license
- Had your driver’s license revoked or suspended
Remember, a conviction for DUI in itself is highly expensive – somewhere in the neighborhood of $2,000-$20,000 and more. This is on top of skyrocketing insurance premiums and, sadly, other tolls – such as death, severe injury and property damage.
Fortunately, Freeway Insurance can provide quality SR-22 coverage at an affordable cost. Filing for an SR-22 is an excellent way to get your driving record back on track.
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All About FR-22 Forms
Some states, such as Florida and Virginia, use two forms — an SR-22 for infractions such as driving without insurance and an FR-44 form for alcohol and other substance-related DUI violations.
Having an SR-22 mandate means you are most likely going to be looking at close to double your car insurance rate while the mandate is in force. Not getting an SR-22 in the first place by being a good driver and making smart choices while behind the wheel is your best bet.
Find Low Cost SR-22 Insurance Quotes Today
If you looking for cheap SR-22 insurance, Freeway Insurance can find you great rates on SR-22 insurance coverage. We are happy to help find the right plan for you. To learn more, get a car insurance quote, visit a Freeway Insurance office or call 800-777-5620 for a free, no-obligation consultation.