{"id":7357,"date":"2021-11-17T10:42:25","date_gmt":"2021-11-17T10:42:25","guid":{"rendered":"https:\/\/testweb.fredloya.com\/?p=7357"},"modified":"2022-02-01T15:07:18","modified_gmt":"2022-02-01T15:07:18","slug":"sr-22-insurance","status":"publish","type":"post","link":"https:\/\/www.fredloya.com\/sr-22-insurance\/","title":{"rendered":"What Is an SR-22 Insurance? Everything You Need To Know"},"content":{"rendered":"<p><strong>Do you need SR-22 insurance, but you\u2019re not sure how it works?<\/strong><\/p>\n<p>An SR-22 is often needed after serious or repeat driving offenses, but conditions, cost and other factors can vary by state.<\/p>\n<p>If you have questions, you\u2019ve come to the right place. We\u2019ll cover everything you need to know about SR-22 insurance, from cost to who needs it, and how to get it.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Find Out More About:<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69a46d44a43b5\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69a46d44a43b5\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fredloya.com\/sr-22-insurance\/#What_Is_An_SR-22_Insurance\" >What Is An SR-22 Insurance?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fredloya.com\/sr-22-insurance\/#Who_Needs_An_SR-22\" >Who Needs An SR-22?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fredloya.com\/sr-22-insurance\/#How_Do_I_Get_An_SR-22\" >How Do I Get An SR-22?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fredloya.com\/sr-22-insurance\/#How_Much_Does_An_SR-22_Cost\" >How Much Does An SR-22 Cost?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fredloya.com\/sr-22-insurance\/#How_Long_Is_My_SR-22_Valid\" >How Long Is My SR-22 Valid?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.fredloya.com\/sr-22-insurance\/#Things_To_Keep_In_Mind_About_An_SR-22\" >Things To Keep In Mind About An SR-22<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.fredloya.com\/sr-22-insurance\/#Filing_For_An_SR-22_With_Fred_Loya_Insurance\" >Filing For An SR-22 With Fred Loya Insurance<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.fredloya.com\/sr-22-insurance\/#How_Do_I_Get_My_SR-22_Certificate_Removed\" >How Do I Get My SR-22 Certificate Removed?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.fredloya.com\/sr-22-insurance\/#How_To_Get_Cheap_Coverage_After_Filing_For_An_SR-22\" >How To Get Cheap Coverage After Filing For An SR-22<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.fredloya.com\/sr-22-insurance\/#Wrapping_Up_On_SR-22_Insurance\" >Wrapping Up On SR-22 Insurance<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_An_SR-22_Insurance\"><\/span>What Is An SR-22 Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Although SR-22 is commonly referred to as a type of insurance, it is not actually insurance in the traditional sense of the word.<\/p>\n<p><strong>SR-22 stands for \u201csafety responsibility.\u201d<\/strong> It is a certificate that shows that you have the liability coverage needed to meet the minimum requirements in the state where you are living and driving.<\/p>\n<p>An SR-22 is typically required by the court or the state after you have been convicted of serious violations such as a DUI, but there are a few additional scenarios in which you may need it as well.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Who_Needs_An_SR-22\"><\/span>Who Needs An SR-22?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Most states require an SR-22 following a serious violation, with the exceptions of New Mexico, Oklahoma, Delaware, Kentucky, Minnesota, New York, North Carolina and Pennsylvania.<\/p>\n<p>In the states that do require an SR-22, the conditions in which you need the certificate can vary, from a suspended license to driving without insurance, being convicted of a DUI and more.<\/p>\n<p>Let\u2019s look at some examples from different states:<\/p>\n<p>In <a href=\"https:\/\/www.dps.texas.gov\/section\/driver-license\/financial-responsibility-insurance-certificate-sr-22#:~:text=A%20Financial%20Responsibility%20Insurance%20Certificate%20(SR%2D22)%20is%20required,insurance%20as%20required%20by%20law\" target=\"_blank\" rel=\"noopener\"><strong>Texas<\/strong><\/a><strong>,<\/strong> you are required to file for an SR-22 when:<\/p>\n<p>Your license is suspended after an accident<\/p>\n<p>You are caught driving without liability insurance two or more times<\/p>\n<p>A civil judgement is filed against you<\/p>\n<p>In <a href=\"https:\/\/www.dmv.ca.gov\/portal\/driver-education-and-safety\/educational-materials\/fast-facts\/financial-responsibility-insurance-requirements-for-vehicle-registration-ffvr-18\/\" target=\"_blank\" rel=\"noopener\"><strong>California<\/strong><\/a><strong>,<\/strong> you are required for an SR-22 after being convicted of reckless driving, a DUI or other serious violations.<\/p>\n<p>In<strong><a href=\"https:\/\/www.dmv.com\/ok\/oklahoma\/sr-22?tg1=DVA&amp;utm_content=dmv.com&amp;utm_medium=dmv_&amp;tg7=dmv_&amp;utm_source=dmv.com&amp;tg9=dmv.com&amp;utm_term=organic_dmv&amp;utm_campaign=organic_dmv\" target=\"_blank\" rel=\"noopener\"> Oklahoma<\/a>,<\/strong> you are required to file for an SR-22 if your driving privileges are suspended due to uninsured driving, traffic violations or DUI\/DWI convictions.<\/p>\n<p><strong>So, what are the most common situations that require an SR-22?<\/strong><\/p>\n<ul>\n<li>You are caught driving without a license<\/li>\n<li>You are caught driving without insurance<\/li>\n<li>Your license is suspended due to moving violations or excessive accidents<\/li>\n<li>You are convicted of driving under the influence (DUI) or driving while intoxicated (DWI)<\/li>\n<li>You are convicted of repeat driving offences in a short period of time<\/li>\n<li>You have outstanding child support payments ordered by the court<\/li>\n<li>You are applying for a probationary permit or a hardship driver\u2019s license<\/li>\n<\/ul>\n<p>If you live and\/or drive in one state, but are licensed in another, keep in mind that you may need to have an SR-22 on file in the state you\u2019re licensed in.<\/p>\n<figure id=\"attachment_7364\" aria-describedby=\"caption-attachment-7364\" style=\"width: 900px\" class=\"wp-caption aligncenter\"><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-7364 size-full\" src=\"https:\/\/testweb.fredloya.com\/wp-content\/uploads\/2021\/11\/sr-22-insurance-violations.jpg\" alt=\"Dashboard speedometer\" width=\"900\" height=\"550\" srcset=\"https:\/\/www.fredloya.com\/wp-content\/uploads\/2021\/11\/sr-22-insurance-violations.jpg 900w, https:\/\/www.fredloya.com\/wp-content\/uploads\/2021\/11\/sr-22-insurance-violations-300x183.jpg 300w, https:\/\/www.fredloya.com\/wp-content\/uploads\/2021\/11\/sr-22-insurance-violations-768x469.jpg 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><figcaption id=\"caption-attachment-7364\" class=\"wp-caption-text\">Reckless driving and other violations can lead to an SR-22 certificate required by the state<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"How_Do_I_Get_An_SR-22\"><\/span>How Do I Get An SR-22?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In order to get an SR-22, you need to have a valid auto insurance policy covering your state\u2019s minimum liability requirements.<\/p>\n<p>You can purchase an SR-22 through most insurance companies. Keep in mind that by filing for an SR-22 certificate, you may be considered a risky driver.<\/p>\n<p>In the best-case scenario, your policy premium will increase. In the worst-case scenario, your auto insurance company will drop you as a customer, and you will need to find a new provider for your policy.<\/p>\n<div class=\"single-content-button\">\n<div class=\"single-content-button__content\">\n<p><strong class=\"single-content-button__title\">Call <a href=\"tel:1-800-444-4040\">1-800-444-4040<\/a><\/strong><\/p>\n<p class=\"single-content-button__text\">and get a quote for your car insurance today.<\/p>\n<\/div>\n<div class=\"single-content-button__button\"><a class=\"btn btn-primary\" href=\"tel:1-800-444-4040\"> <span class=\"single-content-button__button-icon\">Request Quote<\/span> <\/a><\/div>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_Much_Does_An_SR-22_Cost\"><\/span>How Much Does An SR-22 Cost?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The filing fee for an SR-22 typically ranges between $15 and $50, depending on the state and the severity of the violation.<\/p>\n<p>In most cases, this is a one-time fee, so even if you need to keep your SR-22 for several years, you will not need to pay for renewal. However, there are exceptions.<\/p>\n<p>For example, if your insurance lapses, you will need to pay the fee again when you purchase a new car insurance policy.<\/p>\n<p>In most cases, an SR-22 will increase cost of your car insurance. See the chart below for average insurance premiums before and after SR-22 in the 12 states where Fred Loya Insurance operates.<\/p>\n<p>An SR-22 has the most significant impact on car insurance rates in California, with an average increase of 187%. In Oklahoma, an SR-22 may cause your rate to increase by about 50% with most providers.<\/p>\n<figure id=\"attachment_7368\" aria-describedby=\"caption-attachment-7368\" style=\"width: 704px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-7368\" src=\"https:\/\/testweb.fredloya.com\/wp-content\/uploads\/2021\/11\/sr-22-insurance-per-state.png\" alt=\"sr 22 insurance per state\" width=\"704\" height=\"335\" srcset=\"https:\/\/www.fredloya.com\/wp-content\/uploads\/2021\/11\/sr-22-insurance-per-state.png 704w, https:\/\/www.fredloya.com\/wp-content\/uploads\/2021\/11\/sr-22-insurance-per-state-300x143.png 300w\" sizes=\"(max-width: 704px) 100vw, 704px\" \/><figcaption id=\"caption-attachment-7368\" class=\"wp-caption-text\">Source: sr22insurancequotes<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"How_Long_Is_My_SR-22_Valid\"><\/span>How Long Is My SR-22 Valid?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The validity of your SR-22 may vary by state, but in most cases, you\u2019ll need to keep your SR-22 for three years to show continuous car insurance coverage.<\/p>\n<p>Once the three years is up (or the specific time period your state requires), your SR-22 is typically lifted.<\/p>\n<p>During this time frame, you must have a clean driving record with no serious moving violations.<\/p>\n<p>If you allow your car insurance coverage to lapse, your insurance company will inform the DMV and they will suspend your license \u2014 something we highly recommend you avoid, as it leads to plenty of subsequent issues.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Things_To_Keep_In_Mind_About_An_SR-22\"><\/span>Things To Keep In Mind About An SR-22<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If this is your first time being convicted of a serious driving violation, it is possible you have never heard of SR-22 insurance. Now that you\u2019re here, all of this information might seem a little scary and overwhelming \u2014 especially when you\u2019re in an unfortunate situation.<\/p>\n<p>Our goal is to give you the knowledge you need to handle the situation promptly and correctly, to avoid additional trouble.<\/p>\n<p>Keep in mind that in some situations, you may be required to file for an SR-22 even if you don\u2019t have a car. These situations include conviction of a serious moving violation like a DUI, reckless driving, or injuring a person while driving someone else\u2019s car or a rental vehicle.<\/p>\n<figure id=\"attachment_7366\" aria-describedby=\"caption-attachment-7366\" style=\"width: 900px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-7366\" src=\"https:\/\/testweb.fredloya.com\/wp-content\/uploads\/2021\/11\/sr-22-insurance-happy-clients.jpg\" alt=\"A smiling woman driving\" width=\"900\" height=\"550\" srcset=\"https:\/\/www.fredloya.com\/wp-content\/uploads\/2021\/11\/sr-22-insurance-happy-clients.jpg 900w, https:\/\/www.fredloya.com\/wp-content\/uploads\/2021\/11\/sr-22-insurance-happy-clients-300x183.jpg 300w, https:\/\/www.fredloya.com\/wp-content\/uploads\/2021\/11\/sr-22-insurance-happy-clients-768x469.jpg 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><figcaption id=\"caption-attachment-7366\" class=\"wp-caption-text\">Fred Loya Insurance keeps you covered against all risks on the road<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"Filing_For_An_SR-22_With_Fred_Loya_Insurance\"><\/span>Filing For An SR-22 With Fred Loya Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"\/about\/\" target=\"_blank\" rel=\"noopener\">Fred Loya Insurance<\/a> keeps you covered in all situations. Whether you need an SR-22 certificate or a customized auto insurance policy, our agents will look at your specific requirements and budget and craft the exact insurance policy you need.<\/p>\n<p>Ask our agents about the minimum auto insurance requirements in your state, along with additional <a href=\"\/car-insurance-coverage\/\" target=\"_blank\" rel=\"noopener\">coverage<\/a> options, <a href=\"\/car-insurance-discounts\/\" target=\"_blank\" rel=\"noopener\">discounts<\/a> and benefits. We\u2019ll help keep you protected along every mile of the road.<\/p>\n<div class=\"single-content-button\">\n<div class=\"single-content-button__content\">\n<p><strong class=\"single-content-button__title\">Call <a href=\"tel:1-800-444-4040\" rel=\"noopener\">1-800-444-4040<\/a> <\/strong><\/p>\n<p class=\"single-content-button__text\">Looking for customized auto insurance?<\/p>\n<\/div>\n<div class=\"single-content-button__button\"><a class=\"btn btn-primary\" href=\"tel:1-800-444-4040\"> <span class=\"single-content-button__button-icon\">Request Quote<\/span> <\/a><\/div>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_Do_I_Get_My_SR-22_Certificate_Removed\"><\/span>How Do I Get My SR-22 Certificate Removed?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In most cases, your SR-22 certificate will not be automatically removed from your insurance policy after the mandated period ends. When you no longer need an SR-22, you should contact your insurance company to ask them to remove it from your policy.<\/p>\n<p>Once your SR-22 certificate is removed, you may be eligible for a decrease in your premium. However, this depends on your insurance company and exact situation.<\/p>\n<p>If your premium does not go down after your SR-22 is removed, you may want to consider <a href=\"\/how-to-switch-car-insurance\/\" target=\"_blank\" rel=\"noopener\">switching your car insurance<\/a> to a new company.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_To_Get_Cheap_Coverage_After_Filing_For_An_SR-22\"><\/span>How To Get Cheap Coverage After Filing For An SR-22<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Insurance rates typically stay high for a period of three to five years after you are found at fault for an accident or comit a serious traffic violation.<\/p>\n<p>After this period expires and you no longer need an SR-22, you can shop around for lower insurance premiums with other car insurance companies.<\/p>\n<p>Our Fred Loya Insurance offices are conveniently located in supermarkets and shopping malls in the 12 states where we operate:<\/p>\n<ul>\n<li><a href=\"\/state\/car-insurance-alabama\/\" target=\"_blank\" rel=\"noopener\">Alabama<\/a><\/li>\n<li><a href=\"\/state\/car-insurance-arizona\/\" target=\"_blank\" rel=\"noopener\">Arizona<\/a><\/li>\n<li><a href=\"\/state\/car-insurance-california\/\" target=\"_blank\" rel=\"noopener\">California<\/a><\/li>\n<li><a href=\"\/state\/car-insurance-colorado\/\" target=\"_blank\" rel=\"noopener\">Colorado<\/a><\/li>\n<li><a href=\"\/state\/car-insurance-georgia\/\" target=\"_blank\" rel=\"noopener\">Georgia<\/a><\/li>\n<li><a href=\"\/state\/car-insurance-illinois\/\" target=\"_blank\" rel=\"noopener\">Illinois<\/a><\/li>\n<li><a href=\"\/state\/car-insurance-indiana\/\" target=\"_blank\" rel=\"noopener\">Indiana<\/a><\/li>\n<li><a href=\"\/state\/car-insurance-new-mexico\/\" target=\"_blank\" rel=\"noopener\">New Mexico<\/a><\/li>\n<li><a href=\"\/state\/car-insurance-nevada\/\" target=\"_blank\" rel=\"noopener\">Nevada<\/a><\/li>\n<li><a href=\"\/state\/car-insurance-ohio\/\" target=\"_blank\" rel=\"noopener\">Ohio<\/a><\/li>\n<li><a href=\"\/state\/car-insurance-oklahoma\/\" target=\"_blank\" rel=\"noopener\">Oklahoma<\/a><\/li>\n<li><a href=\"\/state\/car-insurance-texas\/\" target=\"_blank\" rel=\"noopener\">Texas<\/a><\/li>\n<\/ul>\n<p>Our agents can craft a customized policy for you based on your needs and budget. Along with cheaper rates, you can benefit from immediate coverage without a credit check, online payment options, mobile alerts, flexible payment options and more with Fred Loya Insurance.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Wrapping_Up_On_SR-22_Insurance\"><\/span>Wrapping Up On SR-22 Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"\/how-much-is-a-ticket-no-insurance\/\" target=\"_blank\" rel=\"noopener\">Driving without auto insurance<\/a> can put you at risk of serious penalties and lead to significant financial losses if you are involved in an accident<\/p>\n<p>In some states, an SR-22 is required to show that you have state minimum coverage if you are caught driving without insurance or are convicted of a DUI, DWI or other serious offenses.<\/p>\n<p>In most cases, your SR-22 is valid for three years, during which time you must have continuous coverage. Check the SR-22 laws in your state and contact your insurance company to get expert advice on next steps.<\/p>\n<div class=\"single-content-button\">\n<div class=\"single-content-button__decor\"><\/div>\n<div class=\"single-content-button__content\">\n<p><strong class=\"single-content-button__title\">Affordable Car Insurance Quotes<\/strong><\/p>\n<p class=\"single-content-button__text\">Call <a href=\"tel:1-800-444-4040\">1-800-444-4040<\/a> and talk with an agent today or find an office near you.<\/p>\n<\/div>\n<div class=\"single-content-button__button\"><a class=\"btn btn-primary\" href=\"\/locations\/\" target=\"_self\" rel=\"noopener\"> <span class=\"single-content-button__button-icon\">Find Office<\/span> <\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Do you need SR-22 insurance, but you\u2019re not sure how it works? An SR-22 is often needed after serious or repeat driving offenses, but conditions, cost and other factors can vary by state. If you have questions, you\u2019ve come to the right place. We\u2019ll cover everything you need to know about SR-22 insurance, from cost&#8230;<\/p>\n","protected":false},"author":10,"featured_media":7358,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[5],"tags":[],"class_list":["post-7357","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-coverage"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>SR-22 Insurance: Process, Cost, Validity &amp; Who Needs It<\/title>\n<meta name=\"description\" content=\"Have questions about SR-22 insurance? 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