How to get an SR-22 with Central Mutual Insurance

Central Mutual SR-22 insurance

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Laws and lingo regarding SR-22s vary by state. But no matter where you live, your first step to getting an SR-22 is finding a car insurance provider that’s licensed in your state. Central Mutual Insurance offers auto coverage with SR-22 support in 20 states on the East Coast and in the Southwest.

Get SR-22 quotes from companies like Central

Call (877) 959-5072

Call toll-free to talk to an SR-22 agent at Freeway Insurance.

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How do I get an SR-22 with Central Mutual?

If your driver’s license is suspended, you may find that you need an SR-22 to get back on the road. An SR-22 is not insurance — rather, it’s a certificate proving to your state that you have the minimum coverage required to get back on the road.

Already have auto insurance with Central Mutual? An agent can help you determine your next steps to filing an SR-22.

You’ll need to tell your agent:

  • Your Central Mutual policy number, if you’re a customer.
  • The date your license was suspended.
  • How long you’ll need an SR-22.
  • Any other information about your recent conviction or violation.

Most providers take care of your SR-22 paperwork for a fee. Companies like Central Mutual typically charge between $25 and $50. But your biggest cost will come from an increase in your insurance premiums.

What if I’m not a Central Mutual customer?

You may be able to sign up with Central Mutual even if you’re under an SR-22 order. Call your local agent to discuss the possibility of picking up a policy and filing an SR-22.

Will Central Mutual raise my premiums if I file for an SR-22?

There’s a good chance your premiums will increase after an incident that leaves you considered a high-risk driver. Violations like DUI or driving while uninsured trigger the court to order an SR-22.

Central Mutual determines your rates by reviewing your driving history and considers your age, where you live and other factors. Ask your agent about ways that you can mitigate sharp increases in your premiums.

Will Central Mutual cancel my policy if I file for an SR-22?

It might. Central Mutual has the right to cancel a policy if one of its drivers is considered high risk. Some high-risk drivers report being denied coverage through Central Mutual.

If you’re not able to continue a policy with Central Mutual, you’ll have time to secure new coverage with another provider before ending your policy. Look into high-risk insurance providers to get started.

Alternatives to Central Mutual SR-22

Name Product SR-22 Nonowner policy Payment schedule States served
Progressive
Yes
12 months, 6 months
All 50 states
Progressive lets you instantly compare online quotes with multiple car insurers to see if Progressive really has the lowest rates for you.
The General
Yes
Yes
12 months, monthly
AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MN, MS, MO, MT, NE, NV, NH, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
Basic, affordable coverage for almost any driver, including drivers with past claims or SR-22.
SafeAuto
Yes
Yes
12 months, 6 months, monthly (fee applies)
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
High-risk drivers can find no-frills policy at a decent price with multiple payment options.
Direct
Yes
Yes
monthly, custom
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
Your agent can help you get the right amount of coverage and best discounts.
Dairyland
Yes
Yes
custom
AL, AZ, AR, CA, CO, CT, DE, FL, ID, IL, IN, IA, KS, KY, ME, MD, MN, MS, MO, NE, NV, NM, NC, OH, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
Flexible payment options and local agents make it easy for high-risk drivers to get covered.
Serenity
Yes
Yes
12 months, 6 months
CO, DE, ID, IA, MD, MS, NE, NV, OH, TN, WA
Connects high-risk drivers to providers in its network offering affordable policies
National Auto
National Auto
Yes
Depends on provider
Depends on provider
All 50 states
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Compare up to 4 providers

How long will I be required to keep my SR-22?

State courts decide how long an SR-22 is required based on your violation and driving history, though most require at least three years. In some states, a DUI can get you five to 10 years with an SR-22.

If you have a lapse in coverage or commit another violation while under an SR-22, your time may start over, resetting the clock as to how long you’re required to file for one. Pay your Central Mutual bill on time, avoid trouble on the road and contact your Central Mutual agent with any questions.

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

Once you’re notified that you’ve met your SR-22 requirement, let your Central Mutual agent know. After it’s confirmed with the state, your SR-22 is removed from your policy — and you may be eligible for more reasonable premiums.

What if I don’t have a car?

Don’t own a vehicle but need an SR-22? Get coverage through a non-owner policy. This type of insurance covers you as a driver, not the car you’ll drive. Even if you drive occasionally, you will need car insurance.

Central Mutual may be able to file a non-owner SR-22 on your behalf. Once you’ve paid your policy, your agent can certify you’re insured with the DMV through an SR-22.

Get SR-22 quotes from companies like Central

Call (877) 959-5072

Call toll-free to talk to an SR-22 agent at Freeway Insurance.

Get instant online quotes

Your information is secure.

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