Reckless Driver Insurance SR 22

Getting SR-22 Insurance Quotes for High-Risk Drivers

If you’re found guilty of endangering others by driving recklessly or while intoxicated, you’ll probably need to get SR-22 insurance quotes.

That’s because most states will require you to have an SR-22 (Statement of Responsibility) certificate in order to drive. This special form proves that you have enough liability coverage to meet your state’s required minimum.

Who needs SR-22 insurance quotes

Never heard of an SR-22? That’s a good thing since having one typically means your license has been suspended by your Department of Motor Vehicles.

In addition to DUIs (driving under the influence of alcohol) and DWIs (driving while impaired by alcohol, drugs or unknown substances), your license can be yanked for:

  • causing an accident while driving without insurance
  • driving with a revoked or restricted license
  • having a conviction for multiple traffic offenses
  • having a high volume of accidents in rapid succession

How to get an SR-22 form

Once your state DMV revokes your license and registration, they’ll notify you about the SR-22 requirement. Then your current, former or new auto insurance company must formally request the SR-22 on your behalf. States only issue an SR-22 with proof of third-party insurance.

As part of the SR-22 application, your insurer verifies that you have your state’s minimum amount of coverage. Expect to pay an average of $25 for the service.

“A lot of people are under the assumption that SR-22s are a type of insurance when it’s actually just the form that is sent to the DMV for verification of insurance. Then an SR-26 is sent when that policy is canceled,” explains Virginia Al Shummari, manager of Milt Marcy Insurance in Portland, Ore. An SR-26 is the form an insurer sends the DMV as notification that you no longer need an SR-22.

“This system is all computerized so that once a policy cancels, an SR-26 is automatically sent out alerting the state that the insured no longer has coverage.”

Your options for SR-22 insurance quotes

But fair warning: not all auto insurers will file an SR-22 for you. And some may not wish to insure you at all under the circumstances.

Your options are to either:

  • Part ways with your current insurer and seek one that does offer SR-22 service.
  • Keep your current insurer and shop for a secondary non-owner SR-22 policy.

Choosing the latter may save you money. While you would still have to purchase the state-required liability coverage, it would not include vehicle coverage. A secondary non-owner policy is a good choice when you’re pleased with your current insurer or you bundle auto and home policies.

“As long as you don’t own a vehicle, you can insure your driver’s license to carry liability when you’re borrowing someone else’s vehicle. And it’s only liability; it doesn’t cover any kind of damages you might do to that vehicle while you’re driving it. That’s when the owner of the vehicle’s insurance policy should be picking it up anyway,” says Al Shummari.

SEE ALSO: Should You Drive Someone Else’s Car Without Auto Insurance?

Getting SR-22 insurance quotes

Having a stain on your driving record could more than double the premium you paid before you drove into trouble. And if you can’t qualify for a policy, you’ll be forced to apply through one of your state’s high-risk plans.

Fortunately, there is a happy ending of sorts to the SR-22 detour: it only lasts one to five years. When it expires, the underlying offenses will be permanently removed from your driving record.

One word of caution: Be sure to verify that your SR-22 status is officially over before you cancel your auto insurance. Otherwise, your insurer may report your departure to the state, setting in motion a repeat of the SR-22 tango.

“Most people who come out of three years on an SR-22 are really, really super excited when they do because it’s going to be cheaper,” says Al Shummari.