How to get an SR-22 with Central Mutual |

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How to get an SR-22 with Central Mutual Insurance

Get Central Mutual SR-22 insurance even if you aren't a current policyholder.

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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.

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Enter your ZIP code to get quotes from companies like Central Mutual.

Need help? Call (877) 959-5072 toll-free to speak to an SR-22 specialist.

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. From the auto insurance page on the Central Mutual website click the agency locator button, enter your location and you’ll be provided contact information for a local agent.

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 Roadside assistance Accident forgiveness Payment schedule States served
The General
12 months, monthly
All states except HI MA MI and NJ
Snag affordable coverage for high-risk drivers, a marketing claim backed by our rate analysis which showed premiums less than $80 a month.
12 months, 6 months, Quarterly, monthly (fee applies)
High-risk drivers can steer into savings from discounts and payment options like reduced premiums with a down payment.
National Auto
National Auto
Depends on provider
All 50 states

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.

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