Geico SR-22 car insurance | finder.com
geico logo

How to get an SR-22 with Geico

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

Compare car insurance providers

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Optional
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, 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 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
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.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
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 CA, IL, NJ, OR, PA, VA and WA.
USAA
Optional
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

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.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

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.

Other providers that offer SR-22 coverage

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Optional
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, 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 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
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.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
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 CA, IL, NJ, OR, PA, VA and WA.
USAA
Optional
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

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.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.

6 Responses

  1. Default Gravatar
    ChelsSeptember 5, 2018

    I purchased my SR-22 through Geico 4 days ago. How long will it take for the DMV to receive my proof of insurance so I can get my license reinstated?

    • finder Customer Care
      CharisseSeptember 5, 2018Staff

      Hi Chels,

      Thank you for reaching out to finder.

      If your insurance company filed/reported your SR-22 electronically, it will be received by the DMV immediately. In the event that the electronic insurance information is not on file, you will be notified by the department to ask you to submit a paper evidence of your financial responsibility.

      You can also contact your local DMV to confirm if they have received your SR-22 proof of insurance.

      Hope this helps.

      Cheers,
      Charisse

  2. Default Gravatar
    TyraJune 29, 2018

    Hello i would like to get SR-22 insurance to be able to re instate my drivers license in order to purchase a vechile.

    • finder Customer Care
      joelmarceloJune 29, 2018Staff

      Hi Tyra,

      Thanks for leaving a question on finder.

      If you’re a current Geico customer, simply contact your agent to make arrangements for them to file on your behalf.

      If you 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.

      Cheers,
      Joel

  3. Default Gravatar
    FayJune 5, 2018

    I need and SR-22 in order to drive with restricted license in Calif. However, I only need the SR-22 to cover one of the vehicles I own, which has the interlock device. The other vehicle I own has been borrowed by my parents to move to Arkansas and they are keeping it there until my license is no longer restricted. Can I get the SR-22 just for one of the vehicles on my current insurance policy?

    • Default Gravatar
      ArnoldJune 9, 2018

      Hi Fay,

      Thanks for your inquiry

      Yes, you can arrange to take out an SR-22 just for the vehicle you are currently driving. If you’re a current Geico customer, simply contact your agent to make arrangements for them to file on your behalf.

      Hope this information helps

      Cheers,
      Arnold

Go to site