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What is SR-22 Insurance?
An SR-22, also known as a Certificate of Financial Responsibility, is a document that proves your auto insurance policy meets the minimum liability coverage required by your state. In order to have SR-22 insurance, you must have a car insurance policy. SR-22 is not required for every driver, but it is normally required after a violation to restore a suspended driver’s license. On average, a driver will need SR-22 insurance for 3 years.
Keep reading to learn more about SR-22 insurance and contact an agent today to get cheap SR-22 insurance and affordable auto insurance with White Chip.
Who needs SR-22 Insurance?
Not everyone needs to have SR-22, but drivers with serious traffic infractions on their driving record will likely require SR-22 insurance. You’ll be court or state ordered to get SR-22 if you have experienced one of these driving events:
- Suspended or revoked driver’s license
- Driving without a driver’s license or auto insurance
- DUI or DWI conviction
- Reckless driving or serious car accident
- Multiple traffic violations
What is FR-44 Insurance?
FR-44 insurance is very similar to SR-22 insurance, but it is only required in Florida and Virginia. FR-44 insurance proves that you have higher liability insurance coverage than the state minimum and FR-44 has stricter requirements than SR-22 insurance. In order to have FR-44 insurance, you must have a car insurance policy. A driver will normally be required to obtain FR-44 insurance for 3 years.
Although you can expect higher insurance premiums when you are required to get FR-44 insurance, White Chip ensures you will find the most affordable FR-44 insurance. Contact us today to find cheap FR-44 insurance and cheap car insurance.
Who needs FR-44 Insurance?
FR-44 insurance is only required for drivers in Florida and Virginia and is similar to SR-22 insurance. In Florida and Virginia, FR-44 insurance is required when you experience one of these driving events:
- DUI or DWI conviction
- Accumulating a significant number of driving violations
- Driving without car insurance for an extended period of time
- Other serious driving offenses
How to get SR-22 Insurance?
First, confirm that you need SR-22 insurance from your court documents or from your state’s DMV website. Next, contact one of White Chip’s experienced agents to find you the best rate for SR-22 insurance. We have long lasting relationships with the major car insurance companies, so White Chip can provide you with cheap SR-22 insurance. White Chip Insurance offers free quotes in minutes.
How much is SR-22 Insurance?
Filing for SR-22 insurance is relatively cheap, typically $15 - $35, but the primary cost is the increase in your car insurance rate. Insurance companies associate a driver with an SR-22 as being riskier than a driver without an SR-22. This leads to an increase in your annual premium which can range from $350 to $1,200 more expensive than someone with a clean driving record. We at White Chip Insurance are prepared with experienced insurance agents to help you through the process of getting SR-22 insurance. White Chip Insurance offers the cheapest car insurance rates, no matter what your driving record is. Get a free car insurance quote in minutes to ensure you receive cheap auto insurance.
| Accident/Violation | Average Annual Premium | Increase vs. Clean Record |
|---|---|---|
| Speeding 21 - 25 MPH Over Limit | $1,775 | $348 |
| At-Fault Accident - Greater Than $2,000 | $2,115 | $687 |
| Driving with a Suspended License | $2,367 | $940 |
| Reckless Driving | $2,482 | $1,054 |
| DUI | $2,367 | $1,092 |
| Racing | $2,528 | $1,101 |
| Leaving Scene of an Accident – Hit and Run | $2,645 | $1,218 |
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