How to get an SR-22 with American Family

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.

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.

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

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. 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.

If you’re already a customer, American Family can file an SR-22 on your behalf. Simply call your agent and have this info ready.

• 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.

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

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Name	Product	Roadside assistance	New car protection	Accident forgiveness	Available states
Progressive		Optional			All 50 states	Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.	Go to site More Info	Compare	loading Fetching your data...
Geico		Optional			Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA, WY	As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance. Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA and WY.	Go to site More Info	Compare	loading Fetching your data...
Metromile		Optional			AZ, 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 AZ, CA, IL, NJ, OR, PA, VA and WA.	Go to site More Info	Compare	loading Fetching your data...
Allstate					All 50 states	Enjoy having your own dedicated agent to help you get the best discounts and coverage.	Go to site More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			All 50 states	Car insurance through Liberty Mutual will give coverage options for almost any situation.	Go to site More Info	Compare	loading Fetching your data...
Root					AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, 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 24 states.	Go to site More Info	Compare	loading Fetching your data...
Esurance					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.	Go to site More Info	Compare	loading Fetching your data...
Farmers					All 50 states	Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.	Go to site More Info	Compare	loading Fetching your data...
The General		Optional			All states except Hawaii, Massachusetts, Michigan and New Jersey	The General offers affordable coverage for nearly any driver who needs car insurance.	Go to site More Info	Compare	loading Fetching your data...
Elephant		Optional			IL, IN, MD, TN, TX, VA	Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.	Go to site More Info	Compare	loading Fetching your data...
SafeAuto					AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA	Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.	Go to site More Info	Compare	loading Fetching your data...
Direct		Optional			AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA	Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.	Go to site More Info	Compare	loading Fetching your data...
Serenity		Optional			CO, DE, ID, IA, MD, MS, NE, NV, OH, TN, WA	Connects high-risk drivers to providers in its network offering affordable policies	Go to site More Info	Compare	loading Fetching your data...
Dairyland		Optional			All states except AK, LA, GA, HI, MA, MI, MT, NH, NJ, NY, ND, OK, RI	Dairyland offers auto insurance with flexible payment and coverage options for high-risk drivers in 37 states.	Go to site More Info	Compare	loading Fetching your data...

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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.

What is SR-22 insurance?

This certificate proves to your state that you carry at least its minimum coverage and are therefore legal to get back on the road.

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.