The difference between SR-22 and regular insurance is that SR-22 insurance is for high-risk drivers who are convicted of specific moving violations, while regular insurance is for anyone who drives a car. An SR-22 is a form that an insurer files with the state to show that a driver has the legally required amount of insurance. Regular insurance does not require any sort of form.
Key Differences Between SR-22 Insurance and Regular Insurance
Average Cost Per Year
$741 - $1,465
Who Needs It?
Anyone who drives a car
Where Is It Required?
39 States and the District of Columbia
Every state, though some allow you to forgo it by showing proof of financial responsibility
How Long Is It Required?
1 to 5 years, on average
As long as you own and drive a car
People who drive under the influence, drive without insurance, or are habitual traffic law violators may end up needing an SR-22 to help reinstate their license or meet their state’s legal requirements. SR-22 insurance usually costs significantly more than regular insurance because of the high-risk designation that comes along with offenses such as DUI and reckless driving.
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