The SR-22 Insurance

High risk and other nonstandard auto insurance policies may be required for a wide range of different reasons. Oftentimes if you’ve been convicted of an offense like a DUI or DWI or have gotten your license suspended, your only option for future coverage will be a nonstandard auto insurance policy. It’s important to understand that this type of event doesn’t have to be the end of the world – provided that you pick the right policy and know which steps to take, you’ll be back on the road as soon as possible.

curved road in a forest

How to Pick the Right Policy

The number one way to find the best nonstandard auto insurance policy involves looking for an insurance agent that will take your own personal situation into consideration. Not all high risk drivers are created equally – some drivers are high risk because of driving offenses, others only fall into this category because they belong to a group historically considered to be riskier than others (like teens or elderly drivers).  Additionally if you have had a lapse in coverage or have never had auto insurance in the past you may need to start with a nonstandard auto insurance policy.

Start by finding someone who caters to the specific situation you find yourself in and then look for any discounts (like taking defensive driving classes, or getting good grades if you’re a student) to help reduce your rates over time.

What is an SR-22?

An SR-22, also referred to as a certificate of insurance, is a document required by many states for some of the drivers holding nonstandard auto insurance policies. In essence, it is a document that is often required to reinstate the drivers’ driving privileges if they get a ticket for not having state required auto insurance, get into a car accident while uninsured, are convicted of a DUI or find themselves in similar situations. A SR-22 is not an insurance policy.  The form does however, require the insurance company to notify the DMV if their is a cancellation of the auto insurance policy.  This means your drivers license can be suspended just for letting the policy cancel.

Depending on the state you live in, an SR-22 may be required for three years for a conviction of a driving-related offense or up to five years in the event of something like a DUI. This means you must obtain and keep in good standing the SR-22 form for the length of time that the court ordered.  According to the Journal of Law and Health, there are only a few states that currently do not require an SR-22 for high risk insurance holders:

  • Delaware
  • Kentucky
  • Minnesota
  • New Mexico
  • New York
  • North Carolina
  • Oklahoma
  • Pennsylvania

Depending on the state you live in, an SR-22 may be required for three years for a conviction of a driving-related offense or up to five years in the event of something like a DUI. This means you must obtain and keep in good standing the SR-22 form for the length of time that the court ordered.  According to the Journal of Law and Health, there are only a few states that currently do not require an SR-22 for high risk insurance holders: