LIABILITY INSURANCE
Covers bodily injury and property damage you cause to others in an accident, required for SR-22 compliance.
WHY PAY MORE?
GET AFFORDABLE SR-22 INSURANCE RATES
Auto 
Motorcycle 
Non-Owner
Owner
Other
HANDPICKED CARRIERS –
LOWER COSTS, HIGHER SATISFACTION
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?
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?
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:
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!
Auto
Motorcycle
Non-Owner
Owner
Other
AMERICA’S FAST GROWING INSURANCE
With over 7,000+ 5 star Google reviews and counting!
Vanessa Echeverry
I love Karina’s customer service. She is amazing—super friendly and super quick at getting you your insurance and on your way! She makes the entire process easy and is very helpful. Thank you, Karina!
Google Review
Walter P
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!
Google Review
Joyce Evans
Thank you, Javier, for the professional customer service. I am a senior citizen and don’t always get things right the first time. Thank you for your patience. I’m glad to have CINCO Insurance close to me in Garland on Northwest Highway.
Google Review
Doris Edmond
I spoke with Veronica, an agent with CINCO. She was the BEST! I was so stressed because I had been looking for coverage. Veronica took away all my stress. She worked with me tirelessly until she found auto coverage I could afford. I highly recommend her. She's professional, kind, courteous, and—most of all—patient. The definition of good customer service is VERONICA—my agent for life!
Google Review
Alva Ayuso
Valeria was very patient and courteous with us, answered all our questions, and helped us with all the paperwork! We will definitely recommend CINCO Auto Insurance to all our friends. Very satisfied!
Google Review
Rosalinda Alvarez
THANK YOU SO MUCH, AIME!! She offers outstanding customer service, going above and beyond to ensure a smooth and satisfying experience. Her professionalism, responsiveness, and attention to detail make every interaction pleasant and efficient. I highly recommend Aime 100% for her dedication to excellence and commitment to customer satisfaction! My family and I have found a great insurance company—all thanks to Aime.
Google Review
Alexus Monique
I’m currently looking for car insurance, and I’m so glad I decided to try this place out. The insurance agent Paula was very knowledgeable and sweet. She answered all my questions and made sure I didn’t leave with any doubts! I’m highly satisfied with my experience here and will be recommending this place. 😊
Google Review
Zouquayla Butler
I recently joined CINCO, and getting started was easy breezy. Javier is a 10/10—highly recommend! Great customer service, like we were old friends catching up while taking care of business. Thanks again, Javier. Awesome!
Google Review
Jose Santos
The service is excellent, and they help you with everything. You just have to be available, and they’ll do the work for you. I loved the work my agent Yolanda did. I recommend her—just ask for her!
Google Review
Rebecca Esquivel
Javier was awesome to talk to. He explained everything in detail and even repeated himself multiple times. Very, very patient with me—quick and ready to go! I was struggling to get a good quote, but he got me in and out. Thank you, Javier. 10/10 recommend!
Google Review
