SR-22 Insurance
SR-22 Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
SR-22 Insurance Information
SR-22 Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
SR-22 Insurance Information
Also Serving St. Louis, Springfield, Wichita & other areas in Missouri, Kansas, Oklahoma & Texas
If you're deemed to be a "high-risk" driver by the state you're licensed in, you'll likely be required to get SR-22 insurance. This is essentially an endorsement by the state that allows you to get an insurance policy that covers your enhanced risk level (based on the events in your driving history that led to the SR-22 designation).
If you find yourself in this situation, don't despair. As an independent agency, Auto Insurance Discounters has access to a wide variety of SR-22 coverage options to meet your specific needs. Get started today!
What Is An SR-22?
An SR-22 is an insurance document that shows proof of financial responsibility and verification of auto liability coverage. The DMV may require you to provide an SR-22 in addition to your car insurance if you drive under the influence of a drug or alcohol, drive without proper insurance, are a habitual traffic offender, or are involved in a motor vehicle accident.
How Does An SR-22 Affect You?
An SR-22 must be carried for a designated time period, depending on the severity of your violations. Most offenders can expect to have an SR-22 for up to three years. During this time, you must maintain continuous liability coverage. Any break in coverage will be reported to the state, resulting in the suspension of your license. On top of securing adequate insurance, drivers with an SR-22 status should adhere to traffic laws and refrain from driving after alcohol consumption. After the proper fulfillment of this time period, a driver’s SR-22 status will expire, and driving privileges will be restored.
How Much Does An SR-22 Cost?
The cost of premiums varies depending on the severity of your violations. Minor offenses, such as neglecting to pay a parking ticket, are often paired with more affordable policies. However, major offenses, such as drinking under the influence, are more likely to raise your premiums. Call Auto Insurance Discounters today at (866) 288-6545 or request a free SR-22 insurance quote on our website.
Who Needs an SR-22?
An SR-22 is typically required for drivers deemed high-risk due to serious traffic violations. This typically includes those convicted of DUI/DWI, driving without insurance or accumulating multiple traffic offenses. It’s also often necessary for reinstating a suspended or revoked license.
How Long Does an SR-22 Last?
An SR-22 typically lasts for about three years, though the exact duration can vary by state. During this period, the driver must maintain continuous insurance coverage. If the insurance policy is canceled or lapses, the SR-22 requirement may be extended, and the driver’s license could be suspended until coverage is reinstated.
What If I Have Other SR-22 Questions?
What About State-Specific Requirements?
We've got answers for that too. Here's more information on SR-22 Insurance in:
How Much Will an SR-22 Increase the Cost of My Insurance?
An SR-22 mandate can increase your insurance costs. Your new premiums depend on numerous factors about you, your vehicle and your chosen coverage. Your agent can help you shop for favorable rates.
How Long Do You Need to Have an SR-22?
You typically need to maintain an SR-22 for three years. However, this duration can vary based on the severity of the offense and state regulations.
If I Don't Own a Car, Do I Still Need to File an SR-22?
Yes, You still need to file an SR-22 even if you don't own a car. You can get a non-owner SR-22 insurance policy to meet the requirement. Your agent can help you understand your options and get appropriate coverage.
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