If your state considers you a high-risk driver, you could be required to carry SR-22 insurance before you’re able to get behind the wheel legally.
But what is an SR-22, and, more importantly, how hard is it to get one? The good news is that most car insurance providers are willing to file for this important document on your behalf.
One such provider is Allstate, the second-largest personal insurer in the US. Here’s what to know about vehicle liability insurance and how to take care of filing for an SR-22, so that you can get back on the road sooner.
How do I get an SR-22 with Allstate?
If you’re a current policyholder with Allstate, contact your local Allstate agent and let them know you need an SR-22 document added to your policy.
Generally, your Allstate agent will ask you for:
- Your date of birth and Social Security number.
- Your state of residence and driver’s license number.
- The date your license was suspended.
- The date you anticipate your SR-22 is no longer required.
- Specific information on your conviction.
Allstate charges a one-time filing fee of $15 to $25 when handling SR-22 document requests. These requests can take up to two weeks to process, which could affect how quickly you can get back to driving, especially if your driving privileges are revoked as a result of a conviction.
Call Allstate or your local DMV to follow up on your SR-22 insurance filing.
What if I’m not an Allstate customer?
If you don’t currently hold a policy with Allstate, you can start the process of becoming a customer by first getting a free online quote.
For a personalized Allstate quote, you’ll need to provide:
- Your name and date of birth
- Your home address, phone number and email address
- The make and model of the car you intend to insure
- Your Social Security or Taxpayer ID number
Other providers that offer SR-22 insurance
Will Allstate raise my premiums if I file for an SR-22?
If your premiums increase after Allstate files your SR-22, it’s likely a result of the related conviction on your driving record. As with any other insurance policy, your driving record, state of residence and provider all factor into how much you ultimately pay for your insurance premiums.
Find out more about possible changes to your policy after filing an SR-22 by calling your local Allstate agent.
Will Allstate cancel my policy if I file for an SR-22?
Because it does not guarantee that it covers all drivers who file for an SR-22, it’s possible that Allstate will terminate your policy as a high-risk driver.
Allstate typically offers nonpreferred policies to high-risk drivers. If Allstate agrees to be your provider while you hold SR-22 insurance, your premiums could increase.
If Allstate decides to cancel your policy, you’ll typically receive notification with enough time to find a new provider before any lapse in coverage.