Does Progressive offer SR-22 insurance?

You need an SR-22 if a judge or your state department of motor vehicles has informed you that you do. An SR-22 form, also called a Certificate of Financial Responsibility, may be required if you are trying to reinstate or maintain your license after being convicted of certain driving violations. These include DUI/DWIs, reckless driving, driving without a license or insurance, or repeat offenses. You can only get an SR-22 form from your car insurance company. It confirms that you have an active policy with at least the minimum insurance coverage legally required in your state.… read full answer

In most cases, you’ll have to file an annual SR-22, certifying your insurance coverage, for 3 years. However, the time period can range from 2 to 5 years depending on the state and the reason for the SR-22. Also, depending on the state, this time period can start on your offense date, conviction date, license suspension date or reinstatement date. Make sure you know how long you have to maintain your SR-22. If you cancel your insurance before the time is up, your license or registration can be suspended or revoked.

Most states use the SR-22 form. Eight states don’t: Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania. Two states—Florida and Virginia—use the SR-22 but have a different form for DUI/DWI convictions, the FR-44. If you move from one state to another, you will need to maintain your SR-22 certification with your original state through an out-of-state filing, even if your new state doesn’t require SR-22s.

SR-22 insurance covers bodily injury liability and property damage liability up to the minimum limits required by state law. If the court or state tells you that you need SR-22 insurance certification, your minimum coverage requirements are still the same as for any other resident.

SR-22 is actually the name of the form the court or state requires from drivers convicted of certain violations, such as … read full answerDUI/DWIs, reckless driving, and driving without a license or insurance. The SR-22 must be filled in by your insurance company and certifies that you have the legally required coverage.

What SR-22 Insurance Covers Depending on State

Many states only require liability insurance. In these states, SR-22 insurance covers the costs of the other driver’s injuries or property damage if you’re at fault in an accident. Some states, like Florida and Michigan, also require Personal Injury Protection, which pays medical expenses for you and your passengers. States such as New Jersey and New York mandate uninsured or underinsured motorist protection, as well. This kind of insurance pays for your losses if another driver is at fault and either has no/low liability insurance or is a hit-and-run driver.

SR-22 Insurance Limits

Like all insurance, SR-22 insurance policies are written with limits. These limits are the maximum amounts the insurance company will pay out for losses. The coverage limits for your SR-22 insurance policy will follow the requirements of the state in which you were convicted or now live, whichever are higher.

Even though it’s minimal, SR-22 coverage can be expensive. The violation you committed will put you into the insurance company’s high-risk pool of drivers. This can raise your insurance costs 25% or more.

Geico SR-22 insurance covers drivers classified as “high-risk” by their state’s department of motor vehicles. Although high-risk insurance is often called SR-22 insurance, SR-22 is actually a form required by the court or state, verifying that a driver has auto insurance liability coverage. Geico will file the SR-22 on behalf of its policyholders. The filing fee is $25 in most states.… read full answer

Regulations vary from state to state, but an SR-22 is usually required for a driver to regain his or her license after driving-related violations, such as:

• DUI convictions
• Reckless driving
• Accident caused by an uninsured driver
• Driving without a license or insurance

Geico has a history of working with high-risk drivers to help them keep their insurance and driving privileges. The biggest cost of SR-22 insurance comes in the form of higher premiums. Premiums can rise 25% or more after a driving violation, depending on the type of violation as well as the driver’s age and location.

Time and a clean record will bring premiums down in the long run. Meanwhile, Geico discounts—such as those for air bags (25%-40% off personal injury protection), anti-theft systems (25% off comprehensive coverage), or anti-lock brakes (5% off collision coverage)—may partially offset increases. The best way to get an accurate, personalized SR-22 insurance quote is through Geico’s website.