If you need an SR-22 or “financial responsibility insurance,” it can be daunting to know where to begin. If you’re already a Geico customer or thinking of becoming one, you can get your SR-22 documents through the nation’s second-largest auto insurance company.
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Getting SR-22 insurance with Geico
If you’re a current Geico customer, simply contact your agent to make arrangements for them to file on your behalf. You’ll be required to pay a fee of $25 to $50 or more for the paperwork and filing. Because you’re considered a high-risk drivers, you will most likely see your premiums increase.
Geico offers several discounts, so be sure to ask your agent whether you qualify for savings.
If you aren’t yet a Geico customer, apply for a quote or a policy online. As you go through the application process, you’ll simply check a box when asked if you require any special documentation.
What if I’m not a current Geico customer?
Don’t have an active policy with Geico? Simply visit the Geico website to request a free online quote.
Here’s the information you’ll need to get your personalized SR-22 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.
What is SR-22 Insurance?
Even though it’s sometimes called “financial responsibility insurance,” an SR-22 isn’t insurance at all. Instead, it’s a document that some drivers are required to have to certify that they’ve purchased at least the mandated coverage in their state.
Depending on your state’s laws, you could be required to file an SR-22 if:
- You are convicted of a DUI/DWI.
- You are found to be driving while uninsured.
- You are involved in an accident that causes an injury.
- You have a lot of points on your driving record.
Your insurance company will typically file for an SR-22 on your behalf.
How do I know if I need an SR-22?
If you need an SR-22, you’ll be notified by either a judge’s ruling or the motor vehicle agency in your state. When you need this document, you’re considered a high-risk driver. Not all insurance companies cover high-risk drivers — but Geico does, offering SR-22 filing through a streamlined process.
What if I don’t have a car?
Because an SR-22 is an extra layer of protection applied to a driver — and not to a driver’s car — it’s possible that you may need SR-22 coverage even without a vehicle to insure. In this case, Geico will issue a “nonowner” SR-22.
If you plan to drive at all, you will need this nonowner SR-22 document. The costs for this SR-22 vary by your age, gender, ZIP code and reason for the additional layer of coverage. It’s best to call and speak with an agent for more information.
What happens when I don’t need it anymore?
Once your required time is up — usually three years with most states — your local DMV will let you know. At that time, you can call Geico and let them know to remove the SR-22 from your policy. Once they’ve confirmed this with the DMV, you’re back to a regularly priced policy.
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How long will I be required to file SR-22 documents?
You’ll need to maintain an active insurance policy and SR-22 for as long as you’re required by the state’s orders. As long as your Geico policy is in good standing, Geico will file your SR-22 documents with your state on your behalf.
If you miss a payment or let your policy lapse, it’s Geico’s responsibility to report that to your DMV. Typically drivers who let their policies lapse lose their SR-22 — and therefore their legal driving privileges.