What is required for SR-22 car insurance coverage?

SR-22 car insurance is required when people have had some difficulties with their driving in the past. Being required to have this type of coverage means you are a high-risk driver and will have to pay higher insurance premiums. Even though you might be a high-risk driver, you can still use our FREE car insurance search tool to get free SR-22 auto insurance quotes.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Jun 4, 2021

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Everyone wants to find a great car insurance quote but sometimes, with a bad history of a driving record, SR-22 car insurance becomes the one of the only options. SR-22 car insurance coverage is required when people have had some difficulties with their driving in the past. Being required to have this type of coverage only can mean that a driver has become one of the most dangerous members in the driving world. FREE car insurance quotes by entering in your ZIP code! Check out Some of these people are those who:

  • Have had driving under the influence (DUI) arrests/convictions
  • Obtained tickets for reckless driving or other serious infractions
  • Received an inordinate number of points on their driving records
  • Have been found to have caused an accident while driving without car insurance

People who have had a DUI conviction or too many points on their driving records are now the highest risks for car insurance companies. Even though one might be a high risk driver, one can still use our FREE car insurance search tool to get a great comparison!

Those who are the highest risks are drivers who take the most dangerous risks on the roads, and they are the most likely to enter into car collisions. Collisions that they cause also have some of the most serious property damages and bodily injuries.

Cancellations and Refusals to Renew

A DUI conviction and other moving violations cause some car insurance companies to be forced to cancel their clients’ policies; these companies are ill-equipped to offer car insurance to these people. They receive a letter in the mail that the policy will be cancelled or will not be renewed, and the policy holder will need to purchase a policy from a new car insurance company.

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The SR-22 Filing

After obtaining very serious moving violations, the Department of Motor Vehicles (DMV) may require these drivers to have their car insurance companies file what is called the SR-22. Purchasing car insurance is already the law for more of the United States, and those who need the SR-22 either neglected to purchase it or they have caused an accident while intoxicated.

The Reason the SR-22 Is Needed

In some states, it is not enough for people who decided not to follow the law to purchase car insurance and carry proof of it in their cars to be ordered to do so after their arrests. In these cases, they may lose their licenses to suspension or revocation. Sometimes, these people will be able to drive to work and home but they must not drive to any entertainment spots.

Because it is important for people to be able to go to their jobs, they will need to agree to purchase a car insurance policy and have their new car insurance companies file the SR-22, the file that will be their proof of having purchased a car insurance policy.

Problems People Can Have with SR-22 Car Insurance Coverage

As people are seeking their new car insurance policies, they will notice that they are either being turned down because car insurance companies cannot offer car insurance to people with DUIs or they are being quoted astronomical prices. The other problem for these people is that not every car insurance company is capable of filing the SR-22 with the DMV.

Those who have a car insurance policy in place when they committed their moving violations will need to inform their agents that they are now under the obligation to have this form filed with the DMV. After they have done this, their car insurance rates may increase because filing the SR-22 is an action that only the car insurance company can perform, and it is an extra burden for them.

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The Cost of SR-22 Car Insurance Coverage

Along with the fact that people needing the SR-22 will have to pay more for required liability coverage, they will also have the added expense of the SR-22. Each car insurance company charges its own fee for this filing, with most companies charging $25.

The Car Insurance that Is Needed

What is required of someone with several points on their driving records or DUI arrests and convictions is what is required of every driver; if their states mandate that they purchase liability insurance, and most states do, they will need to have bodily injury liability coverage in the amounts that the state has set. They will also need property damage liability coverage.

If the driver causes an accident and people are hurt, the bodily injury liability will pay these people’s medical expenses. If any property is damaged, such as the other driver’s vehicle, the money needed to repair it comes from the property damage liability coverage. In most states, this is all that is required of drivers but sometimes, people are required to purchase other types of coverage.

How Car Insurance Companies Set Rates

When people approach a car insurance company for their liability coverage, they are charged a rate based on their likelihood of causing an accident. Dangerous drivers have shown that they are highly likely to cause an accident, so the car insurance company that can insure people with DUI arrests and several points on their driving records are charged the highest rates of all.

Depending on the state, people who need to have the SR-22 filed with the DMV proving that they have purchased liability coverage will need to have this on their records for a three-year period or longer. During that time, they will be paying the higher rates for their coverage and they will have to pay the fee every time the SR-22 needs to be filed.

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When the SR-26 Is Filed

Drivers in this situation will want to make sure that they keep their car insurance policies active when they are working to regain their driving privileges in full. If they were to cancel their policies or let them lapse, the car insurance company will file another form letting the DMV know right away.

The SR-26 form will be filed after drivers have met all of their obligations and no longer need it. It will also be filed in the above scenario when drivers neglect to pay their premiums. In this case, this driver will certainly lose his or her driving privileges to suspension.

The Hard-to-Insure Must Shop Around

It’s important for people who are extremely hard to insure to shop around for their car insurance coverage. This will ensure that they are not paying the highest rates because some car insurance companies will accommodate their needs for a more reasonable price. They will pay more for their policies than they did before the DUI, but they will also obtain car insurance for a price that they can more easily afford. Get started now by entering in your ZIP code to receive FREE car insurance quotes!

Drivers with DUIs or several infractions on their driving records are welcome to go to our comparison feature on this website and seek several quotes for SR-22 car insurance coverage. Using this comparison feature will give you FREE quotes will arrive on their screens very quickly and they will be able to purchase car insurance they desperately need right away!

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