FREQUENTLY ASKED QUESTIONS
FREQUENTLY ASKED QUESTIONS
What is the main difference between standard SR-22 insurance and non-owner SR-22 insurance?
Standard SR-22 covers a car you own or lease. Non-owner SR-22 provides liability-only protection for drivers who do not own a vehicle but must file proof of financial responsibility.
Who needs to purchase a non-owner SR-22 policy?
Drivers who must file an SR-22 to reinstate their license, but do not own, lease, or have regular access to a car.
What information is required to get an instant SR-22 insurance quote online?
Your legal name, driver’s license number, address, Social Security number, vehicle VIN (if applicable), violation history, and state mandate details.
How much does filing an SR-22 actually cost?
Insurers charge a one-time $15 to $50 filing fee to submit the certificate. However, your underlying monthly insurance rates will likely increase due to the violation on your record.
What are the minimum liability requirements for an SR-22 filing?
Your auto policy must meet or exceed your state’s mandatory minimum liability limits for bodily injury and property damage.
How long are drivers usually required to maintain an active SR-22 certificate?
Typically two to five years of continuous coverage, with three years being the most common requirement.
Does a non-owner SR-22 policy cover physical damage to a borrowed or rented automobile?
No. It only covers third-party bodily injury and property damage, not repairs for the car you are driving.
What happens if your SR-22 auto insurance policy lapses or is canceled?
Your insurer must notify the state via an SR-26 form, causing an immediate license suspension and resetting your mandatory filing timeframe.
Why do SR-22 insurance quotes vary significantly between providers?
Insurers use different risk calculations for high-risk drivers, and rates are heavily shaped by local state coverage laws, your location, and the severity of the offense.
How do you handle an SR-22 requirement if you move out of state?
You must maintain an out-of-state SR-22 filing through an insurer licensed in both states to satisfy your original state’s mandate until the required timeframe ends.