The impact of an SR-22 on your car insurance rates
SR-22s are often required after serious driving convictions, such as driving without insurance or driving under the influence.
After such a conviction, you’re considered a “high-risk” driver by Wisconsin and most insurance providers — which typically results in higher insurance rates. Still, you’ll find providers out there — like the General — that specialize in high-risk drivers.
Talk to your provider about how much you can expect your rates to increase.
I just got sr22 insurance through an insurance company. I am not sure if the company files the insurance or if I need to do, that. Thank you.
Hi Danielle,
Thanks for your inquiry.
As I checked, your insurance provider will file the SR-22 certificate on your behalf.
I hope this information helps.
Kind regards,
Bella
how do I apply for an SR22 insurance policy with no car or car insurance
Hi Daniel — thank you for reaching out to the finder team.
In order to apply for a non-owner SR22 insurance policy, you’ll need to contact an insurance provider that offers coverage to drivers who are considered “high risk.” A few standard car insurance providers, such as Progressive and Geico, offer coverage plans tailored to high risk drivers. Once you find an insurance provider that will work with you, they can help you sort out a non-owner SR22 policy; the SR22 form itself, which is a legal document that proves you’re insured, is filed by the insurance company when your insurance policy begins.
You should also know about the Wisconsin Automobile Insurance Plan, which helps high risk drivers to get insurance coverage when they’ve been denied by standard insurance companies through normal application processes. All insurance providers in the state of Wisconsin are required to participate in the WAIP, and if you go through this program, you’ll be assigned to a provider that will offer you the coverage you need. You can learn more, or get in touch with someone at the WAIP, by visiting http://www.waip.org/.
We hope this has been helpful and that you have everything you need.
Cheers,
Andy
I was a Wisconsin resident that was required an SR22 through Jan 28, 2019. I moved to California in August of 2017. Am I still required to have a SR22 filed in Wisconsin?
Hello Sarah,
Good day! Appreciate you contacting finder regarding your inquiry today.
Generally, you will be required to file for an SR-22 certificate if you’re involved in traffic violations, offenses or crimes which resulted in the suspension of your license. In this case, you must file for it so you can reinstate your driver’s license.
However, during the period your license is suspended, you may choose not to file an SR-22 if you don’t intend to drive.
If you are inquiring on whether to file for it in Wisconsin or California, it would be best for you to speak directly with your insurance provider as there may be differences with the coverage for both states. You can reach out to both your insurer and California Department of transportation.
Hope this helps!
All the best,
Ron