Need an SR-22 certificate, but don’t know where to start? Accurate Auto Insurance is here to help. Our car insurance company will ensure your SR-22 is filed correctly and that you find an affordable policy that suits your needs.
Our team makes it easy to get the cheapest SR22 insurance possible. If the court has ordered you to carry an SR-22, simply fill in your zip code above to get started. We’ll take care of the rest.
We understand many people have never heard the term “SR-22” until it affects them. To help drivers in this situation, this page will explain:
- What it is
- Why you need it
- How to get the best deal on your car insurance policy
What is SR 22 Insurance?
Many people search Google for “SR22 Insurance.” However, it’s not actually insurance. It’s a document that proves you have car insurance meeting your state’s minimum liability requirements. Think of it as proof of financial responsibility that your insurance company files directly with your state’s Department of Motor Vehicles (DMV).
The SR-22 itself doesn’t provide coverage. Instead, it certifies that you carry at least the minimum required auto insurance your state mandates. Your insurance company handles all the paperwork, filing the SR-22 on your behalf to show the state you’re covered.
An SR-22 is court or state-ordered and is typically required for drivers deemed high-risk. For example, a person may need to submit an SR-22 certificate to regain their right to drive after their license has been suspended or revoked.
SR-22 certificates are used in almost every state to ensure high-risk drivers maintain continuous insurance coverage for a specified period.
Do I Need an SR-22?
Not all drivers need to file an SR-22 form. These measures are reserved for people who have been deemed high-risk drivers.
“High-risk drivers” are drivers who:
- Have a suspended or revoked license
- Have previously driven without a valid license or insurance
- Have a DUI conviction or another serious traffic violation
- Were at fault for an accident while driving uninsured
- In a short period, accumulated several tickets or traffic offenses
If you’re required to get an SR-22, you will be directly notified by a judge or your state’s DMV. Failing to comply with this order can have serious consequences.
At Accurate Auto Insurance, we are well-versed in SR-22 compliance. This means we can help you find the coverage you need at an affordable price. Best of all, we can do all of this in minutes. Call us today or contact us online to get started.
Learn more about preparing to file an SR-22.
How Can I Get an SR-22 Certificate?
Accurate Auto Insurance makes getting an SR-22 certificate easy! Here’s how the process works:
1.Get Car Insurance:
You need an active auto insurance policy that meets your state’s minimum liability requirements. If you already have insurance with a company that offers SR-22 filings, contact them. If not, we can help you get a new policy.
2. Request the SR-22 Filing:
Simply tell us you need an SR-22 certificate. We’ll add the SR-22 endorsement to your policy and handle all the paperwork.
3. We File With Your State:
Your insurance company (that’s us!) files the SR-22 form directly with your state’s DMV. In most cases, we can file electronically, and your SR-22 will be submitted the same day or within 24 hours. Some states require us to file by mail, which may take a few days longer.
4. Stay Covered:
Once filed, you’ll receive a copy of your SR-22 certificate for your records. The DMV will be notified that you have proper coverage. As long as you maintain continuous insurance, your SR-22 stays active.
Ready to get started? Call our team or enter your zip code at the top of this page!
Learn more about navigating the SR-22 process.
What if I Don’t Own a Car?
You can still get an SR-22 even if you don’t own a vehicle. This is called a non-owner SR-22 policy. A non-owner SR-22 insurance policy gives you liability coverage when operating a vehicle you do not own. For example, if you are borrowing a friend’s car or renting a vehicle, a non-owner SR-22 policy will cover you.
This type of policy fulfills the SR-22 requirement without being tied to a specific vehicle, ensuring you comply even if you don’t own a car. Non-owner policies are often more affordable than standard policies since they only cover liability when you’re behind the wheel.
If you need a non-owner SR-22, call us and we’ll explain your options.
How Much Does an SR-22 Cost?
Because SR-22s are required for high-risk drivers, your insurance premium may increase compared to a standard policy. The amount varies based on factors like:
- Your driving record and violation history
- Your location (zip code)
- The type of vehicle you drive
- Your age and insurance history
However, the increase doesn’t have to be unaffordable. At Accurate Auto Insurance, we specialize in finding competitive rates for drivers who need SR-22 certificates. We work with multiple carriers to find you the best price.
Learn how much an SR-22 usually costs.
How Long Do I Need to Keep My SR-22?
Your SR-22 certificate remains active for as long as you maintain continuous insurance coverage. Most states require SR-22 certification for at least 3 years. This timeframe may vary depending on your state and the violation that triggered the requirement.
Once you’ve maintained SR-22 coverage for the required period, you’ll no longer need an SR-22 certificate. At that point, you can purchase a standard insurance policy, which will likely be cheaper.
If you cancel your insurance during the required period, or if your policy lapses, your insurance company must notify the DMV immediately. This will result in:
- Immediate license suspension
- Possible additional fines or penalties
- Restarting your SR-22 clock in some states
This underscores the importance of maintaining consistent insurance coverage until your SR-22 requirement expires. We recommend setting up automatic payments and keeping your policy active to avoid any disruptions.
How Do I Remove My SR-22?
Your SR-22 won’t automatically fall off your insurance policy once the required period ends. You need to take action to have it removed.
Here are the steps for removing your SR-22:
- Contact your state’s DMV to confirm you’ve completed your SR-22 requirement and find out if any additional steps are needed.
- Contact your insurance company (that’s us!) to request removal of the SR-22 from your policy.
- Verify the removal. Once removed, you may see your insurance rate decrease, though this isn’t guaranteed since it depends on your overall driving record.
We recommend calling your DMV first to verify that your SR-22 period has officially ended and that you’ve met all requirements. Then, reach out to us and we’ll handle the removal.
Don’t remove your SR-22 too early! Removing it before the required period ends can result in license suspension, additional fees, or having to restart the entire SR-22 period.
Why Choose Accurate Auto Insurance for SR-22?
All Driving Records Welcome
As an experienced provider of SR-22 certificates, we’ve seen the full range of driving records. We believe that a person’s driving record shouldn’t exclude them from accessing affordable auto insurance. We welcome all drivers to apply for an instant quote on our website.
No Credit Check Required
Our application process does not require a credit check. This allows us to reach as many customers as possible and offer them affordable rates, no matter what their current or past financial situation is. We’ll help you find a policy with an insurance premium you can afford.
Fast, Easy Filing
We handle all the paperwork and file your SR-22 electronically in most states, often the same day you purchase your policy. You don’t have to deal with the DMV. We take care of everything.
Expert Guidance
Our team understands SR-22 requirements inside and out. We’ll answer your questions, explain your options, and make sure you get exactly what you need to satisfy your court or state order.
Get an SR22 Insurance Quote in Minutes!
If you’re looking for affordable SR-22 certificates and insurance coverage, turn to the experts at Accurate Auto Insurance. We have experience finding affordable insurance across multiple states and counties. We’ll help you keep your insurance costs down so that you can spend more on what matters most.
Call our team or enter your zip code at the top of this page to get started!
