SR22 Insurance Savings
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CHEAP SR22 INSURANCE FILING OPTIONS
Welcome to SR22Savings, your one-stop shop for low cost auto insurance coverage with an SR22 filing.
Whether you're a high-risk driver or have had a DUI conviction, we specialize in providing SR22 insurance cost savings for fast and reliable insurance with SR22 filings with that's tailored to your needs.
We shop the insurance market to find our clients affordable auto insurance rates that include an SR22 filing if they need it. Apply online and let's find you some SR22 insurance savings!
Option 1
Auto Insurance With SR22
For people who own a car or drive a car regularly.
Shop for cheap auto insurance with an SR22 filing included with the policy. The SR22 is sent to the selected state DMV office electronically after purchase.
We also offer auto insurance without SR22 filing if you just need affordable auto insurance.
Option 2
Non Owner SR22 Insurance
For people who don't own a car but may borrow a car occasionally we offer non owner insurance policies.
A non owner insurance policy is a great option for people who don't own a car but need an SR22 filing to get their license reinstated.
Shop for cheap non owner insurance with an SR22 filing and get your license back to active.
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Why Choose Us
Instant Quotes: Get a quote within minutes online or by text message.
Affordable Rates: We offer competitive rates to fit your budget for auto insurance with an SR22 filing.
Easy Comparison: Easily compare rates from multiple insurance providers with your agent.
Expert Guidance: Our team of SR22 insurance experts are here to assist you every step of the way.
Fast Approval: Get your SR22 insurance filing approved quickly and start driving legally again.
How It Works:
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Get a Quote: Fill out our simple online application with your information.
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Choose Your Plan: Select the insurance policy that best fits your needs and budget.
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​Compare Rates: Receive quotes rates from multiple insurance providers for auto insurance or non owner insurance with an SR22 filing.
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Get Covered: Complete the necessary paperwork and get your insurance policy started and have your SR22 filing sent to the state DMV.
Frequently Asked Questions
Who is required to have SR22 insurance?
SR22 insurance is for high-risk drivers. You might need it if you’ve been convicted of a DUI, had multiple serious traffic violations, or let your insurance lapse. It’s also required for drivers with suspended licenses, repeat offenses, or at-fault accidents. Even newly licensed teens or those fined for excessive parking tickets might need SR22 insurance in some states. Typically, the requirement lasts 3–5 years, depending on your state and violation. This helps the DMV ensure you’re keeping up with your insurance.
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SR22 and Non-Owner Insurance | SR22 Insurance Savings
Everything you need to know about SR22 insurance and non-owner SR22 insurance.
Review our SR22 Insurance facts and make an informed decisions.
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Demystifying SR22 and Non-Owner Insurance
Finding that drivers license suspension notice from your state motor vehicle department in your mailbox is never a fun experience. Even worse is when it says you need to file something called an SR22 before getting your license back to active. SR22 insurance is not an actual type of insurance policy, but it's essential for many drivers to legally get back on the road after a major driving violation or offense.
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So what exactly is SR22 insurance, and who needs it? How do you go about getting it and maintaining the requirements?
Read below to discover everything you need to know about SR22 filings and how they allow high-risk drivers to regain their driving privileges after a suspension or revocation.
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What Is SR22 Insurance?
SR22 insurance is not an actual auto insurance policy that you purchase. Rather, it is a Certificate of Financial Responsibility that proves you have the minimum liability coverage required by your state.
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Here are some key facts about SR22 insurance:
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It is a form filed with the state by your insurer certifying you have active auto insurance coverage
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Also referred to as a Certificate of Financial Responsibility or CFH form
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Not required in every state, but mandatory in most for high-risk drivers
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Helps drivers get their license reinstated after suspension or revocation
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Shows the DMV that you meet state-level liability coverage requirements
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Allows the DMV to monitor your insurance coverage for a set time
The SR22 gives the Department of Motor Vehicles confirmation that you are adequately insured to meet minimum state requirements. Having an SR22 form on file is mandatory after certain driving incidents before the DMV will reinstate your driving privileges.
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Who Needs SR22 Insurance?
SR22 insurance is typically required for drivers that are viewed as a high-risk driver.
Things that would make a person be viewed as a high-risk driver are:
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Anyone convicted of a DUI or DWI
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Drivers who have multiple traffic violations like getting a ticket for reckless driving
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People with a lapses of auto insurance coverage
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People who have their license suspended or revoked from the state
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People convicted of speeding or running red lights multiple times
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Someone that has been involved in a ton of at-fault accidents
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Someone involved in an accident without having an active auto insurance policy
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Someone driving a vehicle without proper auto insurance coverage
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High-risk drivers that need an SR22 will need it for around 3 years, depending on the state requirements. This allows state motor vehicle departments to monitor whether a person has the required auto insurance to keep an active drivers license.
Getting SR22 Insurance Coverage
If you are notified you need to file an SR22, you need to find an insurer that offers SR22 filing services. At SR22 Insurance Savings, we deal with insurance companies that specialize in providing high-risk and non-standard auto policies. They are familiar with SR22 filing requirements in every state. These include:
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Use our quote tool to compare SR22 insurance online quotes easily.
What Happens When I Purchase an SR22 Insurance Policy?
Once you purchase a policy from an insurer that agrees to file your SR22, they will submit a form to the Department of Motor Vehicles verifying that you have active insurance coverage.
This allows the state motor vehicle department to reinstate your driving privileges, provided you have fulfilled any other requirements like paying fines or completing traffic school.
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Maintaining Your SR22 Insurance
The key requirement with SR22 insurance is maintaining continuous, uninterrupted coverage for the entire mandated term, usually three years. If you cancel your policy or allow it to lapse for any reason, your insurance company will immediately notify the DMV. Your license will then be suspended again.
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Switching Insurance Companies
To switch insurance companies with an SR22 is still needing to be active, people should first secure a new sr22 insurance policy with a new carrier that offers SR22 filings. Only once they have submitted the SR22 filing a person then cancel their old sr22 insurance policy. This prevents any gap in coverage!
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As long as you maintain your SR22 filing with a policy and make your monthly payments on time, the insurance company will automatically keep the SR22 filing active with the state.
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Non-Owner SR22 Insurance
If you need to file an SR22 but don't own a vehicle, there are various options available. Many insurance companies offer non-owner SR22 policies to provide the required proof of financial responsibility.
A non-owner SR22 policy covers liability if you drive someone else's car. It demonstrates to the state that you have the minimum mandatory insurance coverage if operating a vehicle, even without owning one yourself.
How Long Is an SR22 Required?
The length of time an SR22 must remain on file varies by state and depends on the severity of the offense. Generally, SR22 requirements fall in the three to five-year range.
However, some states require an SR22 to be maintained for more than five years for major infractions, repeat offenders, or serious accidents.
No matter the initial SR22 term, it is essential not to allow your insurance policy to lapse before the requirement is up. This will lead to another license suspension and possibly an even longer SR22 requirement.
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Restore Your Driving Privileges
Being required to file an SR22 might seem like a bureaucratic nightmare and financial burden. However, this simple form provides a route to restored driving privileges after a suspension or revocation.
The SR22 requirement allows high-risk drivers the chance to prove they are now insurable and responsible behind the wheel. By maintaining constant insurance coverage for the mandated period, driving records can gradually be rebuilt.
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Get an SR22 or Non-Owner Quote Today
Give us a call at 855-772-2728 or fill out the online application to get started.