McKayla Girardin, Car Insurance Writer
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No, you do not need SR-22 insurance and regular insurance because SR-22 insurance is the same thing as regular insurance but for high-risk drivers who are required to have an SR-22 form on file with their state’s DMV. In other words, SR-22 insurance is just the combination of an SR-22 form and regular insurance.
Key Things to Know About SR-22 Insurance and Regular Insurance
- An SR-22 is a form that high-risk drivers are sometimes required to have on file with their state’s DMV after certain violations, like driving without insurance and DUIs. The form shows the state that the driver has auto insurance.
- Drivers who need SR-22s usually pay significantly more for insurance than other drivers - $741 to $1,465 per year for SR-22 insurance versus $716 per year for good drivers.
- SR-22s are required to be on file for 1 to 5 years, depending on the state, and the driver must maintain coverage that entire time. Any lapse in coverage can cause the time to restart.
- Only 39 states and the District of Columbia require SR-22s, and only after certain traffic law violations.
- Anyone with a registered vehicle typically needs to have regular insurance in every state.
To learn more, check out WalletHub’s guide to SR-22 insurance.
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