How to get an SR-22 with American Family | finder.com
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How to get an SR-22 with American Family

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If you’ve gotten into a bit of trouble on the road — a suspended license, revoked registration or other serious violation — you may be required to file for an SR-22. This certificate proves to your state that you carry at least its minimum coverage and are therefore legal to get back on the road.

No matter which state you live in, you can’t file for an SR-22 on your own. For that, you’ll need to find a licensed car insurance provider in your state.

American Family Insurance provides car insurance coverage in only 19 states. If you’re a current customer or live in its service area, contact your local American Family agent to see if they’re willing to file an SR-22 on your behalf.

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Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Optional
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Optional
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

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How do I get an SR-22 with American Family?

If you’re already a customer, American Family can file an SR-22 on your behalf.
Simply call your agent with:

  • Your American Family Insurance policy number.
  • Information about your violation.
  • The date your license was suspension
  • How long you’re expected to file for an SR-22.

Most providers will file your SR-22 for a fee of $25 to $50. But no matter your provider, you’ll often face bigger costs that are a result of premium increases.

What if I’m not an American Family Insurance customer?

If you’re insured elsewhere, you could qualify for a policy with American Family, even if you require an SR-22.

Note that American Family offers auto insurance in only 19 states.

Other providers that provide SR-22 insurance

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Optional
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Optional
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

Will American Family raise my premiums if I file for an SR-22?

Insurance companies consider your age, driving history and other factors when determining your premium costs.

But SR-22s are typically required after you’re convicted of violations like a DUI or driving without insurance. Because you’re considered a high-risk driver, you could see an increase in your American Family premiums.

Contact your American Family agent to see if you can mitigate these costs through discounts.

Will American Family cancel my policy if I file for an SR-22?

It’s up to American Family Insurance as to whether it cancels your policy once you’re considered a high-risk driver.

If an agent notifies you of a policy cancellation, you should have enough time to secure a new policy with another insurance company. Look into high-risk insurance providers to get started.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

What is SR-22 insurance?

How will I know if I need an SR-22?

Each states imposes its own requirements when it comes to SR-22s. Your DMV will typically notify you if you require one after a violation.

Reasons your state may require an SR-22 include:

  • You’ve racked up too many points on your driving record.
  • You’re convicted of DUI, a DWI or reckless driving.
  • Your driver’s license is suspended.
  • You’re caught driving while uninsured.

How long will I be required to file SR-22 documents?

Your state and driving violation determines how long you’re required to hold an SR-22. Most states require a minimum of three years, but it can be up to five or 10 years for more serious violations.

Be sure to pay your premiums on time and stay safe on the road. Any lapse in your insurance or additional violations can reset your clock on how long you’re required to hold SR-22 insurance.

What happens when I don’t need an SR-22 anymore?

In most states, your local DMV will let you know when you no longer need an SR-22. Once you receive notice, reach out to your American Family agent.

Once you’re agent confirms the information with your state, they will remove the SR-22 from your policy. You’ll likely see a drop in your premium, but ask your agent to re-evaluate the rates you qualify for.

What if I don’t have a car?

If you need an SR-22 but don’t own a car, you could still require non-owner insurance to legally get back on the road.

A non-owner SR-22 covers you, and not the car you’re driving. Your American Family may offer non-owner insurance, depending on where you live. Call your agent to find out.

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