Question 1

Can I get insurance with a DUI on my record?

Accepted Answer

Yes, you can get insurance with a DUI, though you'll need a non-standard or high-risk carrier. Standard insurers like Geico or State Farm typically decline DUI drivers or non-renew existing policies, but specialty carriers write policies specifically for drivers with major violations. Rates are significantly higher — often 2-3x your previous premium — but coverage is available in all states. Your rates will decrease as the DUI ages off your record, typically after 3-5 years depending on your state and insurer.

Question 2

What is an SR-22 and do I need one?

Accepted Answer

An SR-22 is a certificate your insurance company files with your state's DMV proving you carry at least the minimum required liability coverage. You need one if a court, DMV, or license reinstatement office specifically told you to obtain it — usually after a DUI, multiple violations, driving uninsured, or license suspension. Not all high-risk drivers need an SR-22; it's only required when mandated by your state. The SR-22 itself doesn't cost much ($15-50 filing fee), but it signals to insurers you're high-risk, which raises your premium.

Question 3

How much does SR-22 insurance cost?

Accepted Answer

SR-22 insurance typically costs $1,500 to $3,500 per year for minimum liability coverage, though rates vary widely based on your violation, age, location, and driving history. The SR-22 filing fee itself is only $15-50, but the underlying violation (DUI, reckless driving, etc.) is what drives premiums up 50-200% compared to standard rates. Drivers under 25 or those with multiple violations can see rates exceeding $5,000 annually. Shopping multiple non-standard carriers often uncovers rate differences of $500+ for identical coverage.

Question 4

How long do I have to carry an SR-22?

Accepted Answer

Most states require you to maintain an SR-22 for three years from your violation or license reinstatement date, though some states mandate one, two, or five years. Your requirement period is stated in your court order or DMV reinstatement letter — check that document for your specific timeframe. If your policy cancels or lapses during the SR-22 period, your insurer notifies the state and your license is typically suspended immediately. Once the required period ends, the SR-22 drops off and you can shop for standard coverage if your driving record has improved.

Question 5

What happens if my SR-22 insurance lapses?

Accepted Answer

If your SR-22 insurance lapses or cancels, your insurance company is legally required to notify your state's DMV immediately. Most states will suspend your license within 10-30 days of the lapse, and the SR-22 clock resets — meaning your 3-year requirement starts over from the reinstatement date. You'll need to purchase a new policy, pay reinstatement fees (often $50-$250), and possibly file a new SR-22. Continuous coverage without any gaps is essential during your entire requirement period.

Question 6

Can I get SR-22 insurance if I don't own a car?

Accepted Answer

Yes, you can get a non-owner SR-22 policy if you don't own a vehicle but need to maintain your license or meet court requirements. Non-owner policies provide liability coverage when you drive borrowed or rental cars and cost significantly less than standard SR-22 policies — typically $300-$800 per year. This is common for drivers whose license was suspended and who sold their car, or those who rely on public transit but need legal driving privileges. The non-owner SR-22 satisfies state filing requirements just like a standard policy.

Question 7

Will my insurance rate go down after my SR-22 requirement ends?

Accepted Answer

Your rate will decrease when your SR-22 requirement ends only if the underlying violation has also aged enough to reduce its impact — typically 3-5 years from the violation date. The SR-22 itself adds minimal cost; it's the DUI, suspension, or violations that drive premiums up. Once both your SR-22 period ends and enough time has passed since your violation, you can shop standard carriers again and often see rates drop 30-60%. Maintaining continuous coverage and a clean record during your SR-22 period helps you qualify for better rates faster.

Question 8

Do all insurance companies offer SR-22 filing?

Accepted Answer

No, most standard insurance companies do not offer SR-22 filing or will not insure drivers who need one. Major carriers like Geico, Progressive, and State Farm vary by state, but many decline SR-22 drivers outright or non-renew existing customers once an SR-22 is required. You'll typically need a non-standard or high-risk insurer that specializes in SR-22 cases — carriers like The General, Direct Auto, Acceptance, or regional high-risk providers. This is why comparing multiple specialty carriers is critical for finding available coverage.

Question 9

How does SR22 Coverage Info make money?

Accepted Answer

This site earns a commission when you submit your information and complete a purchase with one of the insurance partners in the network. You pay nothing extra — insurers pay a referral fee for connecting them with drivers actively shopping for coverage. There's no cost to compare quotes here, and the rates you see are the same as going directly to each insurer. This referral model is standard across insurance comparison sites and funds the free service.

Question 10

Is my information safe when I request SR-22 quotes online?

Accepted Answer

Your information is transmitted using SSL encryption and shared only with licensed insurance companies and their contracted agents who can provide you quotes. This site does not sell your data to data brokers or unrelated third parties. When you submit a form, your details go to insurers in the partner network who specialize in high-risk and SR-22 coverage so they can generate accurate quotes. Expect follow-up calls and emails from those insurers or their agents — that's how you receive your quotes and finalize coverage.

Question 11

Is SR22 Coverage Info a real insurance company?

Accepted Answer

No, SR22 Coverage Info is not an insurance company — it's a lead generation and comparison site that connects you with licensed insurers who offer high-risk and SR-22 policies. The site is owned and operated by a marketing company that partners with insurance carriers and agencies. You won't buy a policy directly from this site; instead, insurers in the network contact you with quotes and you choose which one to purchase from. This model lets you compare multiple options without calling each carrier individually.

Question 12

What information do I need to get an SR-22 quote?

Accepted Answer

You'll need your driver's license number, the details of your violation or suspension, your current address, and basic vehicle information if you own a car. Insurers also ask for your birthdate, rough estimate of the incident date, and whether you currently have coverage. Having your court or DMV paperwork handy helps clarify your exact SR-22 requirement length and any special conditions. The more accurate your information, the more precise your quote — estimates based on incomplete details often increase once the insurer pulls your full motor vehicle report.

Question 13

How fast can I get SR-22 insurance?

Accepted Answer

You can get SR-22 insurance issued the same day in most cases, often within a few hours of purchasing a policy. Once you pay your first premium (or down payment), the insurer files the SR-22 certificate electronically with your state's DMV, which typically processes it within 1-10 business days depending on the state. Some states accept instant electronic filing, while others require mailed forms. If you need proof immediately for a court date or DMV appointment, ask the insurer for a copy of the filed SR-22 form to bring with you.

Question 14

Can I get full coverage insurance with an SR-22 requirement?

Accepted Answer

Yes, you can purchase full coverage (comprehensive and collision) with an SR-22, though many high-risk drivers choose liability-only to reduce premiums. If you finance or lease your vehicle, your lender will require full coverage regardless of your SR-22 status. Full coverage with an SR-22 typically costs 60-150% more than what a standard-risk driver pays due to your violation history. Choosing higher deductibles ($1,000 instead of $500) can lower your premium significantly while still meeting lender requirements.

Question 15

What states require SR-22 insurance?

Accepted Answer

Most states use the SR-22 system, but a few states don't require it at all or use different names for the same certificate. Florida and Virginia use an FR-44, which requires higher liability limits than a standard SR-22. Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania don't use SR-22 forms but have their own financial responsibility certificates or processes. If you're unsure whether your state requires an SR-22, check your license suspension or court order paperwork — it will explicitly state the filing requirement if one exists.

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