An SR-22 in Washington, D.C. is a certificate proving that a high-risk driver has the legal requirements for car insurance in Washington, D.C.. So-called SR-22 insurance raises annual car insurance premiums by roughly $49 in Washington, D.C., compared to standard rates. In addition, there’s usually a fee of $15 to $25 for your insurance company to file your SR-22 documentation with the state.
Your SR-22 must be maintained with Washington, D.C.’s licensing agency for 3 years, according to Washington, D.C. law. If your insurance coverage lapses during that time, your insurance company is required to report you to the state. Your SR-22 period resets in that case, and you are required to pay any SR-22-related fees again.
What You Need to Know About SR-22 Insurance in Washington, D.C.:
Who Needs SR-22 Insurance in Washington, D.C.? Washington, D.C. requires SR-22 documentation for drivers who are convicted of serious traffic violations. The list includes reckless driving, hit and run, and DUI, among other major offenses.
What is Minimum SR-22 Car Insurance Coverage in Washington, D.C.: Drivers need at least $25,000 per person ($50,000 per accident) plus $10,000 in property damage liability insurance. Drivers also need at least $25,000 per person ($50,000 per accident) plus $5,000 in uninsured motorist property damage coverage.
SR-22 insurance costs an average of $62 to $122 per month, depending on the insurer and the offense that led to the SR-22 requirement. The DMV in your state will also charge a one-time fee to file the necessary paperwork.
It costs $25 to $50 to file an SR-22 form with the DMV, depending on the state. In addition to proving you have enough coverage to drive legally, the SR-22 flags you as a … read full answerhigh-risk driver, which explains why your insurer will charge you more than the average policyholder for coverage.
Premiums vary based on infraction, company, state, and individual driver. How much coverage you buy also makes a difference in cost. For instance, if you only buy the minimum amount of insurance required by your state, you can fulfill your SR-22 requirement for a lower price than if you purchased a full coverage policy. And since you only need to have an SR-22 for 1-5 years, depending on the state, your premium will eventually go back down.
SR-22 insurance in Washington, D.C. costs $892 per year on average, depending on the underlying offense. That means an SR-22 raises Washington, D.C.’s annual car insurance premiums by roughly $892, compared to standard rates. That’s an increase of 53%. The penalties are even worse for repeat offenders. Having your license suspended and even going to jail become possibilities.… read full answer
In addition to steep premium increases, having to file an SR-22 will result in the loss of any customer discounts that your car insurance company had been giving you. For instance, if you receive a DUI conviction in Washington, D.C., you will be ineligible for a safe-driver discount for 3 years. If you were previously benefiting from a 15% safe-driver discount, your premium is guaranteed to go up by at least 15% for the next few years.
How Much an SR-22 Costs in Washington, D.C.
Average Insurance Premium: $892
Increase vs Overall State Average: $892
Loss of Discount: No good-driver discount for 3 years
To file an SR-22 certificate in DC, purchase at least the state’s minimum liability car insurance coverage. The insurance company will file your SR-22 with the DC DMV on your behalf.
More specifically, if you’re applying for a new policy, indicate on the form that you need an SR-22 certificate. If you have an existing policy that you need to change, contact your insurance company to let them know, and proceed from there.… read full answer
Drivers must keep their minimum-insurance certification active with the state for 3 years to fulfill DC’s SR-22 insurance requirements. As long as you maintain your policy, your SR-22 documentation stays active. But your insurance company is also required to notify the state if you cancel your policy or allow it to lapse prematurely.
How to file an SR-22 in DC
Compare SR-22 car insurance quotes.
Buy a car insurance policy that covers DC’s minimum insurance requirements.
Contact your insurance company about getting an SR-22 certificate.
Maintain your policy for 3 years.
You will need to maintain your SR-22 insurance even if you move from DC. In that case, you would need to get an insurance policy in your new state and have the insurer file an SR-22 certificate for you. If your new state does not require SR-22 certification, you can buy the legal minimum insurance in that state to avoid having your license suspended while transitioning to your new state.
Once your new policy is in place, DC considers you to be abiding by your SR-22 requirement. However, if your DC coverage lapses before you have a new policy, the clock resets. In that case, DC will inform your new state that you’re in violation of your required SR-22 period.
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