Although sometimes referred to as a form of car insurance, an SR-22 is simply a document that high-risk drivers are sometimes required to file with their insurance company to demonstrate that they have the minimum amount of car insurance coverage legally required. Not everyone will need to file an SR-22. Generally, they have been ordered by their state for those who need them.

If you find yourself scrambling to find car insurance (whether because of a court order or otherwise), consider one of CNBC Select’s top picks for car insurance companies for high-risk drivers.

Our best overall insurance company for high-risk drivers is State Farm, which offers affordable rates for situations like DUI or DWI and for at-fault accidents. Additionally, it boasts high customer satisfaction ratings. For those with a DUI or DWI, Progressive offers affordable rates and coverage. Both Progressive and State Farm support the SR-22 form.

State Farm Auto Insurance

  • cost

    The best way to estimate your costs is to request a quote

  • App available

  • Policy highlights

    State Farm is the largest auto insurer based on market share and has an excellent reputation for customer satisfaction. It offers 13 discounts including for safe driving and young drivers.

Progressive Auto Insurance

  • cost

    The best way to estimate your costs is to request a quote

  • App available

  • Policy highlights

    Progressive offers many lines of insurance to allow bundling and convenient tools to help you keep your coverage within your budget.

Here’s what else you need to know about the SR-22 form.

What is an SR-22 form?

Who needs an SR-22?

Typically, you will find out that you need an SR-22 at a court hearing or through a letter from your state’s Department of Motor Vehicles.

There are some common reasons you need to file an SR-22, including:

  • A DUI (or DWI)
  • Driving without adequate insurance
  • Repeated traffic offences
  • An at-fault accident where you didn’t have insurance
  • Failure to pay child support
  • Having a hardship license after your license has been suspended or revoked

However, SR-22 laws vary by state, and different states have different requirements for SR-22 forms.

You may need to have an SR-22 form on file even if you don’t own a car. An SR-22 form of non-owner car insurance policy can help you stay compliant even if you don’t own the car.

How much does an SR-22 cost?

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Editorial Note: The opinions, analyses, reviews or recommendations expressed in this article are those of the selected editorial staff alone, and have not been reviewed, endorsed or otherwise endorsed by any third party.

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