What is SR-22 insurance in District of Columbia?

SR-22 insurance costs $742 to $1,465 per year ($62 to $122 per month), on average, depending on the insurer and the offense that led to the SR-22 requirement. Because an SR-22 flags you as a high-risk driver, your insurer will charge you more than the average policyholder, plus a filing fee of around $15-$25. “SR-22” refers to a form that your insurer will file with the state to prove you have enough coverage to drive legally.… read full answer

Average SR-22 Insurance Cost by Company

Factors That Affect SR-22 Insurance Cost

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.

To learn more, check out WalletHub’s complete guide to SR-22 insurance.

SR-22 insurance in DC costs $892 per year on average, depending on the underlying offense. That means an SR-22 raises DC’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 DC, 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 DC

• 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

1. Compare SR-22 car insurance quotes.
2. Buy a car insurance policy that covers DC’s minimum insurance requirements.
3. Contact your insurance company about getting an SR-22 certificate.
4. 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.