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

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Getting SR-22 insurance can be stressful. We help you navigate the process.

If you’re caught driving without insurance, are convicted of a DUI or have too many points on your license, you’ll need an SR-22 before getting back behind the wheel. And you’ll need an insurance company to file one for you.

Esurance is a subsidiary of Allstate — but unlike its parent company, it operates fully online. Focused on streamlining the process of protecting your most important assets, it offers a suite of insurance policies for cars, boats, RVs and other vehicles. Including helping you file for an SR-22.

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How do I get an SR-22 with Esurance?

If you currently have an active car insurance policy with Esurance, contact your local Esurance agent online or by phone during business hours to request they file an SR-22 for you.

To help your agent process your request, you’ll need to gather information that includes:

  • Your date of birth and Social Security number.
  • Your existing Esurance policy number, if you have one.
  • Your state of residence and driver’s license number.
  • The date your license was suspended.
  • The date you anticipate your SR-22 will no longer be required.
  • Any applicable information about your conviction.

Esurance will file an SR-22 on your behalf, but it could take up to two weeks to process the form. You’ll also pay $30 or more for the convenience.

Follow up on the status of your documents with Esurance, especially if your driving privileges are suspended until the SR-22 is filed. You can also confirm whether your SR-22 document is processed by contacting your local DMV.

What if I’m not an Esurance customer?

Don’t have an active policy with Esurance? Simply visit the Esurance website to request a free online quote.

Here’s the information you’ll need for your personalized quote:

  • Your ZIP code.
  • The make and model of the car you’re insuring.
  • Your full name and date of birth.
  • Your home address, phone number and email address.
  • Your Social Security or Taxpayer ID number.

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

Esurance charges a $30 administration fee to file your SR-22. Your premiums could increase as a result of the conviction on your driving record. Your driving history, state of residence and insurance provider are other factors that affect your insurance premiums.

Call your local Esurance agent to find out more about changes to your policy that can result from filing an SR-22.

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

Possibly — you’ll find providers that won’t renew policyholders who file for an SR-22, but many do.

Esurance doesn’t guarantee to cover drivers who require an SR-22. If Esurance agrees to be your provider while you hold SR-22 insurance, you may see an increase in your premiums.

If Esurance chooses to cancel your policy, you’ll typically receive notice of your policy cancellation or nonrenewable status ahead of time. This gives you time to find another provider without an lapse between policies.

What do Esurance’s customers say?

Esurance customers praise representatives for quick response times, but some complain of higher premiums than you’ll find with other providers. A few customers suggest that Esurance’s partnership with Allstate in 2011 contributed to higher premiums and rates.

Check with your local Esurance agent about what to expect from your policy once an SR-22 is filed on your behalf.

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What is SR-22 insurance?

Despite its name, SR-22 insurance isn’t insurance at all. Rather, it’s a document confirming that a driver has an insurance policy that meets state liability requirements. It’s sometimes called a certificate of financial responsibility.

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

Not everyone’s required to file an SR-22. If you need one, you’ll be informed through a court ruling or by your state’s motor vehicles department.

Depending on your state’s laws, you could be asked to provide an SR-22 if:

  • You’re convicted of a DUI or DWI.
  • You’re found driving with a suspended or revoked license.
  • You’re found driving uninsured.
  • You’re involved in a serious accident that causes injury.
  • You have a lot of points on your driving record.

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

Depending on your state’s requirements, you’re required to hold an active insurance policy and SR-22 for three to five years.

You must maintain your Esurance policy with consistent payments and safe driving practices for your SR-22 documents to remain valid. If you let your policy lapse, you face penalties that include the suspension of your license and even jail time, depending on your driving record.

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

DMV will notify you when you’re no longer required to file an SR-22 with your insurance policy.

It’s then your responsibility to contact your local Esurance agent to inform them of the change. Once Esurance confirms this information with your state’s motor vehicles department, the SR-22 is removed from your policy.

What if I don’t have a car?

It’s possible that your state will require you to file an SR-22 as a non-owner alongside a non-owner car insurance policy.

A non-owner car insurance policy provides coverage for those who don’t own a vehicle but still hold a driver’s license. If you plan to use a car that belongs to someone else, you must purchase a non-owner car insurance policy.

Unfortunately, Esurance doesn’t offer non-owner insurance policies at this time. But you can find a provider that does by using our comparison table.

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