Do I Need SR-22 Insurance?

22 insurance
Written by Emma Rhys

Did you know that 12.6 percent of motorists, or about one in eight drivers, were uninsured, according to a 2021 study by the Insurance Research Council? Are you aware of all the required car insurance at a minimum? Have you heard of SR 22 insurance?

If the answer to those questions is no, you need to take the time to explain what SR22 is, the benefits of demanding it, and what the penalties for not carrying it are.

Read on for an in-depth analysis of what it is, when you need to have it, and whether or not you need it.

What Is SR 22 Insurance?

It is a type of car insurance that is required for drivers who have been convicted of certain traffic violations. The SR22 is a form that the insurance company files with the Department of Motor Vehicles (DMV).

The form provides proof that the driver has the minimum amount of liability insurance required by the state. SR22 is usually more expensive than regular car insurance.

Who Needs SR22?

If you have been involved in certain traffic violations or found at fault in a car accident, your state may require you to carry an SR22. Once you have been notified that you need an SR22, you will need to contact your insurance company to have them fill out the form on your behalf.

The SR22 will need to be on file with the DMV for a specific period, typically three years. If you cancel your insurance or let your policy lapse, the DMV will be notified, and your license could be suspended.

How Much Does SR22 Cost?

The cost of SR22 varies depending on the insurance policy company, the driver’s driving record, and the state where the driver lives. However, the average cost of SR22 is about $25 per month.

What Are the Benefits of SR22?

There are many benefits of SR22, but the main one is that it can help you keep your license after a DUI. If you are required to file an SR22, you have been convicted of a DUI, and the court has ordered you to carry this type of insurance.

An SR22 guarantees the DMV that you carry the required insurance coverage. If you are caught without SR22, your license can be suspended. Additionally, an SR22 policy can help reduce your insurance rates over time.

How Do I Get SR22?

An SR-22 is a document filed by your car insurance company with your state’s department of motor vehicles. If you’re required to have SR22, you’ll need to purchase a policy from an insurance company that offers SR22.

You’ll also need to provide proof of insurance to the DMV. If you are looking for a convenient way to have insurance, check this site and read more.

Understanding SR22

SR 22 insurance is not required in every state, but it may be necessary if you have been convicted of a DUI or other serious driving offense. If you are unsure whether you need SR 22, you should contact your local Department of Motor Vehicles.

Be sure to check out our blog for more tips and advice.

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Emma Rhys

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