Frequently Asked Questions
Find SR-22 Coverage NowFrequently Asked Questions
Real answers about SR-22 insurance, high-risk coverage, and how this site works. If you've been quoted high rates or turned down, these questions address what's actually available.
Insurance Basics
Can I get insurance with a DUI on my record?
Yes, you can get insurance with a DUI, though you'll need a non-standard or high-risk carrier. Standard insurers like Geico or State Farm typically decline DUI drivers or non-renew existing policies, but specialty carriers write policies specifically for drivers with major violations. Rates are significantly higher — often 2-3x your previous premium — but coverage is available in all states. Your rates will decrease as the DUI ages off your record, typically after 3-5 years depending on your state and insurer.
Coverage Options
How long do I have to carry an SR-22?
Most states require you to maintain an SR-22 for three years from your violation or license reinstatement date, though some states mandate one, two, or five years. Your requirement period is stated in your court order or DMV reinstatement letter — check that document for your specific timeframe. If your policy cancels or lapses during the SR-22 period, your insurer notifies the state and your license is typically suspended immediately. Once the required period ends, the SR-22 drops off and you can shop for standard coverage if your driving record has improved.
Insurance Basics
Do all insurance companies offer SR-22 filing?
No, most standard insurance companies do not offer SR-22 filing or will not insure drivers who need one. Major carriers like Geico, Progressive, and State Farm vary by state, but many decline SR-22 drivers outright or non-renew existing customers once an SR-22 is required. You'll typically need a non-standard or high-risk insurer that specializes in SR-22 cases — carriers like The General, Direct Auto, Acceptance, or regional high-risk providers. This is why comparing multiple specialty carriers is critical for finding available coverage.
About This Site
How does SR22 Coverage Info make money?
This site earns a commission when you submit your information and complete a purchase with one of the insurance partners in the network. You pay nothing extra — insurers pay a referral fee for connecting them with drivers actively shopping for coverage. There's no cost to compare quotes here, and the rates you see are the same as going directly to each insurer. This referral model is standard across insurance comparison sites and funds the free service.
About This Site
Is my information safe when I request SR-22 quotes online?
Your information is transmitted using SSL encryption and shared only with licensed insurance companies and their contracted agents who can provide you quotes. This site does not sell your data to data brokers or unrelated third parties. When you submit a form, your details go to insurers in the partner network who specialize in high-risk and SR-22 coverage so they can generate accurate quotes. Expect follow-up calls and emails from those insurers or their agents — that's how you receive your quotes and finalize coverage.
About This Site
Is SR22 Coverage Info a real insurance company?
No, SR22 Coverage Info is not an insurance company — it's a lead generation and comparison site that connects you with licensed insurers who offer high-risk and SR-22 policies. The site is owned and operated by a marketing company that partners with insurance carriers and agencies. You won't buy a policy directly from this site; instead, insurers in the network contact you with quotes and you choose which one to purchase from. This model lets you compare multiple options without calling each carrier individually.
How It Works
What information do I need to get an SR-22 quote?
You'll need your driver's license number, the details of your violation or suspension, your current address, and basic vehicle information if you own a car. Insurers also ask for your birthdate, rough estimate of the incident date, and whether you currently have coverage. Having your court or DMV paperwork handy helps clarify your exact SR-22 requirement length and any special conditions. The more accurate your information, the more precise your quote — estimates based on incomplete details often increase once the insurer pulls your full motor vehicle report.
How It Works
How fast can I get SR-22 insurance?
You can get SR-22 insurance issued the same day in most cases, often within a few hours of purchasing a policy. Once you pay your first premium (or down payment), the insurer files the SR-22 certificate electronically with your state's DMV, which typically processes it within 1-10 business days depending on the state. Some states accept instant electronic filing, while others require mailed forms. If you need proof immediately for a court date or DMV appointment, ask the insurer for a copy of the filed SR-22 form to bring with you.
Insurance Basics
What states require SR-22 insurance?
Most states use the SR-22 system, but a few states don't require it at all or use different names for the same certificate. Florida and Virginia use an FR-44, which requires higher liability limits than a standard SR-22. Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania don't use SR-22 forms but have their own financial responsibility certificates or processes. If you're unsure whether your state requires an SR-22, check your license suspension or court order paperwork — it will explicitly state the filing requirement if one exists.
