{"id":1085,"date":"2022-02-28T23:49:00","date_gmt":"2022-03-01T05:49:00","guid":{"rendered":"https:\/\/auto-ins-discounters.six.zysites.com\/blog\/adjusting-coverage-to-meet-sr-22-requirements\/"},"modified":"2025-10-29T10:50:25","modified_gmt":"2025-10-29T15:50:25","slug":"adjusting-coverage-to-meet-sr-22-requirements","status":"publish","type":"post","link":"https:\/\/www.autoinsdiscounters.com\/es\/sin-categorizar\/adjusting-coverage-to-meet-sr-22-requirements\/","title":{"rendered":"Adjusting Coverage to Meet SR-22 Requirements"},"content":{"rendered":"<p>Getting an <a href=\"\/sr_22\/\">SR-22<\/a> requirement makes you a risk in the eyes of your insurance company.&nbsp;<\/p>\n<p>SR-22 requirements come from a variety of driving charges, depending on where you live. Among these might be multiple tickets, wrecks, DUI charges, and the failure to carry insurance.&nbsp;<\/p>\n<p>If driving charges require you to get an SR-22, you have to contact your insurance company. The insurance company will then issue the SR-22 certificate and send it to your state DMV.&nbsp;<\/p>\n<p>SR-22 certificates are not insurance policies. They simply verify for your state that you have car insurance. These certificates usually stay on your insurance policy for about two years. However, SR-22 certificates do impact your insurance coverage, and how you interact with your insurance provider.&nbsp;<br \/>\n<img decoding=\"async\" data-src=\"http:\/\/auto-ins-discounters.six.zysites.com\/wp-content\/uploads\/sites\/216\/2025\/10\/sr22-coverage.jpg\" alt=\"cop giving man a ticket\" style=\"float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/><br \/>\n<strong>Why SR-22s Impact Car Insurance Prices&nbsp;<\/strong><br \/>\nIf you get an SR-22, you can expect the requirement to probably impact how much you pay for car insurance. An SR-22 designates you as a high-risk driver. This means that you pose a higher financial risk to your insurance company.&nbsp;&nbsp;<\/p>\n<p>To continue to insure you, your company might increase your car insurance premiums. Some companies may offer forgiveness for first instances of SR-22s. However, this practice is not common.&nbsp;&nbsp;<\/p>\n<p><strong>How SR-22s Increase Coverage Requirements&nbsp;<\/strong><br \/>\nMost states, including Missouri, require drivers to carry minimum levels of car insurance. These requirements in Missouri are:&nbsp;<\/p>\n<p><span>$25,000 per person for bodily injury<br \/>\n<\/span><span style=\"font-size: 11pt;\">$50,000 per accident for bodily injury <br \/>\n$10,000 per accident for property damage<\/span><\/p>\n<p><span style=\"font-size: 11pt;\">The law also requires you to have uninsured motorist coverage of: $25,000 for bodily injury per person and $50,000 for bodily injury per accident.<\/span><span style=\"font-size: 11pt;\">&nbsp;<\/span><\/p>\n<p>Manipulating your coverage levels means you may see cost changes in your policy. You might choose to voluntarily increase your coverage levels when you activate an SR-22 certificate. Increasing your coverage levels may increase your costs. However, it can also can provide an added layer of protection for you for the duration of the SR-22 and beyond.&nbsp;<\/p>\n<p>When you get an SR-22, ask your insurance agent how you can maximize cost savings. Your agent may be able to increase your deductible or offer limited discounts. These actions may reduce costs.&nbsp;<\/p>\n<p>We&rsquo;ve got you covered. If you need SR-22 insurance, Auto Insurance Discounters can help you get a fast, free quote. Call us at 866-288-6545 for more information.&nbsp;<\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BlogPosting\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.autoinsdiscounters.com\/blog\/adjusting-coverage-to-meet-sr-22-requirements.aspx\"\n  },\n  \"headline\": \"Adjusting Coverage to Meet SR-22 Requirements\",\n  \"description\": \"SR-22 certificates are not insurance policies. They simply verify for your state that you have car insurance. These certificates usually stay on your insurance policy for about two years. However, SR-22 certificates do impact your insurance coverage, and how you interact with your insurance provider.\",\n  \"image\": \"http:\/\/auto-ins-discounters.six.zysites.com\/wp-content\/uploads\/sites\/216\/2025\/10\/sr22-coverage.jpg\",  \n  \"author\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Auto Insurance Discounters\",\n    \"url\": \"https:\/\/www.autoinsdiscounters.com\/\"\n  },  \n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"\"\n    }\n  },\n  \"datePublished\": \"2022-02-28\"\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Getting an SR-22 requirement makes you a risk in the eyes of your insurance company.&nbsp; SR-22 requirements come from a [&hellip;]<\/p>\n","protected":false},"author":69,"featured_media":1086,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"_analytify_skip_tracking":false,"footnotes":""},"categories":[],"tags":[20],"class_list":["post-1085","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-sr-22-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.autoinsdiscounters.com\/es\/wp-json\/wp\/v2\/posts\/1085","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.autoinsdiscounters.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.autoinsdiscounters.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.autoinsdiscounters.com\/es\/wp-json\/wp\/v2\/users\/69"}],"replies":[{"embeddable":true,"href":"https:\/\/www.autoinsdiscounters.com\/es\/wp-json\/wp\/v2\/comments?post=1085"}],"version-history":[{"count":0,"href":"https:\/\/www.autoinsdiscounters.com\/es\/wp-json\/wp\/v2\/posts\/1085\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.autoinsdiscounters.com\/es\/wp-json\/wp\/v2\/media\/1086"}],"wp:attachment":[{"href":"https:\/\/www.autoinsdiscounters.com\/es\/wp-json\/wp\/v2\/media?parent=1085"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.autoinsdiscounters.com\/es\/wp-json\/wp\/v2\/categories?post=1085"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.autoinsdiscounters.com\/es\/wp-json\/wp\/v2\/tags?post=1085"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}