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WHY PAY MORE?

GET AFFORDABLE SR-22 INSURANCE RATES

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WHY IS CINCO THE BEST CHOICE FOR SR-22 INSURANCE?

Competitive Rates

Industry Expertise

With or Without a License

With Good Credit, Bad Credit, or No Credit

Online/
Phone/
In-Person
Services

Multiple Convenient Locations Near You

WHAT COVERAGES CAN I GET FOR SR-22 INSURANCE?

LIABILITY INSURANCE

Covers bodily injury and property damage you cause to others in an accident, required for SR-22 compliance.

COLLISION COVERAGE

Covers repair costs for your vehicle after an accident, regardless of fault, and is often recommended with SR-22.

COMPREHENSIVE COVERAGE

Covers non-collision damage like theft, vandalism, or natural disasters, recommended for SR-22 holders.

UNINSURED/UNDERINSURED MOTORIST COVERAGE

Protects if the at-fault driver lacks sufficient insurance, offering added protection under an SR-22.

PERSONAL INJURY PROTECTION (PIP)

Covers medical expenses and lost wages for you and passengers, regardless of fault, with SR-22.

MEDICAL PAYMENTS COVERAGE (MEDPAY)

Covers medical expenses for injuries caused by an accident, regardless of fault, recommended for SR-22 holders.

ROADSIDE ASSISTANCE

Provides roadside assistance, including towing, flat tire repair, and fuel delivery, tailored for SR-22 holders.

PROPERTY DAMAGE COVERAGE

Pays for damage caused to others’ property in an accident, often required for SR-22 compliance.

RENTAL CAR COVERAGE

Covers rental car costs while your car is being repaired after an accident, which is particularly helpful for SR-22 drivers needing temporary transportation.

TOWING AND LABOR COVERAGE

Pays for towing and basic roadside labor, applicable for SR-22 holders in need of emergency assistance.

HOW IT WORKS

EXPLORE

CINCO is your go-to for reliable insurance solutions. Visit our website today to browse potential coverage options.

CONNECT

Get in touch with our auto insurance team, who will assist you in finding the cheapest rates despite your driving history and ensure quality coverage.

COMPARE

Obtain multiple quotes and compare them. Settle on the one that best suits your circumstances and also protects against the specific hazards.

WHAT IS SR-22 INSURANCE?

An SR-22 form is a certificate of financial responsibility that informs the state that you comply with state regulations by carrying the minimum liability coverage. The legal standards for insurance vary from state to state. While SR-22 is not an isolated coverage, it is a form that your provider files with the state on your behalf.

An SR-22 is usually necessary for drivers with specific violations on their record, such as driving without insurance, driving while intoxicated, or several traffic offenses. This form is proof of responsibility, ensuring you fulfill the state-recommended coverage limits. It is worth noting that failing to maintain the state-required coverage levels may lead to license suspension or hefty penalties.

WHAT IS THE DIFFERENCE BETWEEN SR-22 INSURANCE AND DUI INSURANCE?

SR-22 and DUI insurance serve different purposes despite being related to driving offenses. Here are some examples:

SR-22 is proof of financial responsibility to the state, whereas DUI insurance is a policy that covers DUI convictions and helps you get back on the road.
An SR-22 proves that you meet the state's insurance requirements, whereas DUI insurance only covers DUI-related incidents and may provide legal support.
SR-22 covers a variety of high-risk violations, whereas DUI insurance is limited to DUI offenses only, focusing on specific needs after a DUI conviction.
SR-22 is an add-on to an existing policy, whereas DUI insurance is a separate policy for DUI offenders designed to meet coverage and legal requirements.
Both require SR-22 filings. However, SR-22 is about compliance with state regulations, while DUI insurance is for high-risk drivers with DUI records.

FACTORS THAT IMPACT SR-22 INSURANCE RATES

Your insurer decides insurance premiums for SR-22 policies after a complete evaluation of your profile and the reasons behind needing an SR-22. Although there are average rates to consider, your specific situation significantly affects the final cost. Multiple important factors may increase or decrease your rates, such as the type of violation, such as driving without proper insurance or driving under the influence. The following is a list of factors that heavily influence how much you pay:

Driving History

Type of Violation

State Requirements

Age and Gender

Vehicle Type

Insurance Coverage Levels

Credit Score

Driving Experience

Location

Length of SR-22 Requirement

Previous Insurance Lapses

Type of Vehicle (e.g., sports car vs. sedan)

Insurance Provider

WHO IS REQUIRED TO HAVE SR-22 INSURANCE?

SR-22 insurance is crucial for drivers who must prove their financial responsibility to their state after committing a specific traffic violation. This insurance helps ensure the driver meets the legally required levels of auto insurance coverage and protection against legal trouble. While SR-22 is not a coverage itself, it is still a much-needed endorsement for policyholders who are required to file it. Here is a list of specific individuals who typically require SR-22 insurance the most:

Drivers convicted of a DUI or DWI

Drivers caught driving without insurance

Drivers with a suspended or revoked license

Drivers required to file SR-22 for reinstating their driving privileges

Drivers with multiple traffic violations

Drivers involved in at-fault accidents without sufficient coverage

Drivers with a history of reckless driving

Drivers under court-ordered financial responsibility requirements

WHY IS SR-22 INSURANCE NECESSARY?

If you have ever been convicted of a DUI, SR-22 can help you regain driving privileges and ensure you meet the minimum state requirement.

Anyone who has repeatedly violated traffic rules or has severe violations on their record must carry an SR-22 form to demonstrate financial responsibility.

If you are driving without the state-required minimum auto insurance coverage, you may need to file for an SR-22 form to avoid further penalties.

If you cause an accident and your insurance cannot cover the damages, the state may require you to obtain an SR-22 form to ensure future compliance.

SR-22 insurance is essential for restoring your driving privileges if your license is ever suspended, enabling you to drive legally on the roads.

HOW DOES SR-22 INSURANCE WORK?

SR-22 insurance acts as a certification that your insurance company files with the state to showcase that you are fulfilling the minimum liability coverage requirement. It’s not a standalone coverage but rather an endorsement added to your current policy. This filing is usually necessary for those who have committed offenses like DUIs, driving without insurance, or severe traffic violations.

Once it’s filed, the SR-22 serves as proof of financial responsibility, ensuring you comply with the law and can legally drive again. The process starts when your insurer submits the SR-22 form to the state’s motor vehicle department on your behalf. Now, you would be expected to maintain continuous coverage for the duration designated by the state, which may last three years or even more.

WHAT DISCOUNTS CAN I GET ON SR-22 INSURANCE?

SR-22 insurance costs can be daunting, especially if you need it because you have committed a serious traffic offense or there is a gap in your coverage. The good news is that you are not alone. Insurers across the US offer multiple discounts that could reduce your premiums. These may include rewards for keeping a clean driving record after you have filed your SR-22. Each discount has its own eligibility criteria, so be sure to check them out. Here are some options to explore:

Good Driver Discount

Multi-Vehicle Discount

Multi-Policy Discount

Defensive Driving Course Discount

Low Mileage Discount

Bundling Insurance Discount

Paid-in-Full Discount

Loyalty Discount

Anti-Theft Device Discount

Electronic Payments Discount

HOW MUCH DOES SR-22 INSURANCE COST?

The average cost of SR-22 insurance is about $202 per month, which is considerably higher than typical auto insurance rates. This price rise is primarily due to SR-22 insurance often being mandated for high-risk drivers with serious traffic offenses, such as DUIs, reckless driving, or driving without insurance. The certificate itself is less expensive, usually around $35 to file.

The higher premiums reflect the greater risk that insurance companies associate with those needing SR-22 coverage. The actual price of SR-22 insurance varies based on various factors, including your state, driving history, age, and the type of vehicle you drive. Some states have stricter requirements or higher liability limits, which can also contribute to increased premiums.

WHAT ARE THE ESSENTIAL REQUIREMENTS FOR AN ACCURATE SR-22 INSURANCE QUOTE?

Getting SR-22 insurance is straightforward; however, you must share accurate details. Insurers evaluate what you share before determining your rates, making it essential to be careful with your submission. They evaluate certain documents and certificates to help identify your risk levels. If you submit incomplete or invalid information, there is an increased chance of complications later in the process. Here are some essential requirements you may need to fulfill if you want an accurate quote:

Personal Information:

Full Name, Address, Date of Birth, and Contact Details

Driving History:

Details About Traffic Violations, DUI Convictions, or License Suspensions

Vehicle Information:

Make, Model, Year, and Vehicle Identification Number (VIN)

Policy Start Date:

The Date From Which Coverage Is Required

Insurance History:

Information About Previous or Current Insurance Policies, if Applicable

Driving Frequency:

How Often and for What Purpose the Vehicle Will Be Used

SR-22 Filing Fee:

Information About the Filing Fee, Typically Required by the Insurer

Continuous Coverage Information:

Proof of Uninterrupted Insurance Coverage (if applicable)

Driver’s License Information:

Valid Driver’s License Number and State of Issuance

Reason for SR-22 Filing:

Specify the Offense That Requires the SR-22, Such as DUI, Reckless Driving, or Driving Without Insurance

Coverage Requirements:

Minimum Liability Limits as Mandated by the State

Preferred Coverage Types:

Liability, Comprehensive, or Collision Coverage, Based on Personal Needs

Location Details:

ZIP Code or State Where the Vehicle Is Primarily Used or Garaged

Deductible Preferences:

Desired Deductible Amount for the Policy

Multi-Vehicle Status:

Whether the Policy Will Cover Multiple Vehicles

GET A FREE SR-22 INSURANCE QUOTE

With CINCO, you will find the cheapest SR-22 insurance in the area! If you're concerned about rising insurance rates, our agents can help you connect with car insurance companies that offer premiums within your budget.

Once you submit the form, our agents will call you shortly. Our agents work closely with our customers to ensure they find an insurance policy that aligns with their requirements and budget. We partner with leading insurers, offering our customers a wide range of options!

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I referred a few people here because of the exceptional job my rep provided. I call her my rep because she’s the only one I’ll go to from now on, and she’s the one I’ll refer my family to. I appreciate Paula for going above and beyond with me and the referrals I provided. All of this is due to the focus she placed on my situation. I will continue referring people to Paula for insurance solutions. Thank you again!

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