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At SR22 Insurance, we work with drivers the court or DMV has told to file an SR-22 before they can drive legally again. If you got that letter, the state wants proof that you carry at least its minimum liability coverage. The SR-22 is the form that proves it. Your insurance company sends it to the state, which keeps it on file. People usually need a filing after a DUI or DWI, a reckless driving charge, getting stopped with no insurance, causing a crash while uninsured, or losing their license over too many points. Many of our customers have already been turned down elsewhere or quoted a price they can't afford. We find a policy that fits your record and get the filing to your state, so you can move on to reinstating your license. We offer: • SR22 car insurance for drivers who own or lease a vehicle • Non-owner SR22 insurance if you don't have a car but need your license back or drive borrowed and rented cars How it works: • Tell us your state, what's on your record and whether you have a car. • We look for a policy that meets your state's requirement at a price you can manage. • Once you buy, the SR-22 goes to your state, and you can start on reinstatement. • Keep the policy active for the full period. After that, the filing can come off and you can shop for regular coverage. Non-owner policies A non-owner policy pays for damage or injuries you cause while driving a car that isn't yours. It won't pay to fix the car you were driving, and it doesn't cover your own injuries. It also isn't meant for a car you drive all the time, like a spouse's car parked in your driveway. In that case the insurer may want that vehicle on a standard policy. Cost Looking for cheap SR22 insurance? If you don't own a car, a non-owner policy usually costs much less because insurers expect you to drive less. Your state and the reason for the filing also affect the cost. A DUI on your record raises it noticeably. Keeping coverage active matters, too. If a policy lapses, your insurer has to notify the state, your license can be suspended again, and in most states the SR-22 period starts over. Most states require the filing for about three years, sometimes longer after a DUI. We'll explain what applies in your state before you buy. If you've worked with us, please leave an honest review here, good or bad. It helps other drivers in the same situation decide who to call.Ver mais