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The General provides insurance to drivers who need SR-22 certification. Although high-risk insurance is often called “SR-22 insurance,” SR-22 is actually a form required by the state verifying that drivers with certain violations are carrying auto liability insurance. Some insurance companies will not insure these high-risk drivers.
The General sells SR-22 insurance, along with other types of policies, in most states. You can apply online or by calling (844) 328-0306. If you need an SR-22 form completed, a copy of the form will be included with your final policy documents. The General will file the form for you in most states, for the state fee of $15 - $25.
Cost of SR-22 Insurance
SR-22 insurance is likely to be pricey from any company. Insurers want to be paid for their added risk when they cover drivers with poor records. The premiums for a driver convicted of a DUI, for example, can rise 50% to 200%, depending on the insurer, state, driver’s age, previous record, etc. The General is worth getting a quote from, because the company specializes in high-risk drivers and is highly rated for SR-22 policies. However, it’s always a good idea to compare several quotes to get the best price possible for your needs.
When SR-22 Insurance Is Required
SR-22 certification is usually mandatory for drivers who cause accidents while driving without insurance, are convicted of a DUI, have their license revoked or suspended, or get many tickets and/or traffic convictions in a short time period. You will need to keep your SR-22 current for 1-5 years, depending on the state. Your higher premiums will likely last at least three years. However, they can last seven or more, depending on the violation and your state’s regulations.
If you want to learn more, you can check out WalletHub’s guide to SR-22 insurance.
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read full answer by Merrill Burchell, Car Insurance WriterWhat does SR-22 insurance cover?
SR-22 insurance covers the cost of other people’s injuries and property damage after accidents that you cause, and it does not cover damage to your own vehicle. 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.
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To get an SR-22 removed, a driver needs to contact their insurance company once they are no longer required to have the SR-22 on file with their state DMV. While each state has its own rules for how long drivers must maintain an SR-22, it can usually be removed after 3-5 years. Since individual drivers do not handle SR-22 forms themselves, the insurance company will take care of the cancellation.
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