An SR-22 in District of Columbia is a certificate proving that a high-risk driver has the legal requirements for car insurance in District of Columbia. So-called SR-22 insurance raises annual car insurance premiums by roughly $754 in District of Columbia, 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 District of Columbia’s licensing agency for 3 years, according to District of Columbia 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 District of Columbia:
Who Needs SR-22 Insurance in District of Columbia? District of Columbia 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 District of Columbia: 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 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
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.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.