Difference between SR22 coverage and auto insurance

If you have never heard of SR22 insurance, you're probably asking yourself what this is. Essentially, it's a document that is required for someone to have if their license is suspended. These are issued out to drivers who are deemed to be a "high-risk driver".

A high-risk driver is someone who insurance companies feel like they are a danger to other people on the road. This can be due to multiple traffic offenses or being caught driving under the influence. You can also be required to obtain an SR22 if you got into an accident while driving an uninsured vehicle.

People who do have an SR22 sometimes have to pay more on car insurance than those who do not have an SR22 attached to their name because their premium rates go up. However, some insurance companies will not provide insurance to someone who has this document on their file which can make getting proper insurance difficult.

Luckily, this is only the case with a few insurance companies. Most insurance companies will still provide insurance. The downside is a higher premium but this is due to the accident instead of the SR22.

How long does it stay on file?

This doesn't stay attached to someone's name forever. Usually, after 3 years, the SR22 is removed from the person's file. This doesn't apply to everywhere, however. Some states may require only two years whereas other states can require up to 5 years. It's best to keep in mind that, even after your license has been reinstated, you may still have to have the SR22. Again, this varies from each state but also each case as well.

How much does all of this cost?

It's very affordable as it cost around $15 but sometimes it can be $20-$25. This is just for the SR22. The price of getting your license reinstated can be much more expensive with some places charging anywhere between $50-$120.

Which states don't use an SR22

There are a total of 8 states that do not use an SR22. These states are New York, North Carolina, New Mexico, Oklahoma, Pennsylvania, Minnesota, Delaware. and Kentucky.

If you plan on moving to one of these states while having an SR22, it's recommended to contact your current provider before moving. This is to prevent issues such as vehicle registration, and insurance problems from arising.

Some people have the misconception that if they move to a state that doesn't use an SR22 they no longer have to make payments. This is completely false. Again, failing to make payments can result in the suspension of your license.

Having an SR22 even if you don't have a car

Some people believe that if they don't own a car, they won't be required to obtain an SR22 if an accident happens. This is not at all true. In fact, there is even a non-owner SR22 policy specifically made for people who do not have a car. The same concept applies if you are just renting a car. If you get into an accident, you may still be required to get an SR22.