How to get an SR-22 with Liberty Mutual

Your first step to filing an SR-22 — also called a certificate of financial responsibility — is securing or sustaining an auto insurance policy with a trusted provider like Liberty Mutual.

Already insured by Liberty Mutual? Contact your agent to see if they can file an SR-22 with your policy and how it will affect your rates.

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

If you’re a current Liberty Mutual customer, call your agent to discuss adding an SR-22 to your policy.

At a minimum, you’ll need to provide to Liberty Mutual:

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

Liberty Mutual charges SR-22 filing fees that range from $25 to $50. And expect to pay higher rates for high-risk insurance. For severe violations, Liberty Mutual could even deny you coverage.

Other providers that provide SR-22 insurance

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Name	Product	Roadside assistance	New car protection	Available states
Progressive		Optional	Yes, cars under 3 years old & 15,000 miles	All 50 states	Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.	Go to site More Info	Compare	loading Fetching your data...
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.	Go to site More Info	Compare	loading Fetching your data...
Metromile		Optional	Yes, cars under 1 year old & 15,000 miles	AZ, 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 AZ, CA, IL, NJ, OR, PA, VA and WA.	Go to site More Info	Compare	loading Fetching your data...
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.	Go to site More Info	Compare	loading Fetching your data...
Root		Included free	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.	Go to site More Info	Compare	loading Fetching your data...
Esurance		Included free	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.	Go to site More Info	Compare	loading Fetching your data...
Farmers		Included free	Yes, cars under 2 years old	All 50 states	Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.	Go to site More Info	Compare	loading Fetching your data...
The General		Optional	No	All states except Hawaii, Massachusetts, Michigan and New Jersey	The General offers affordable coverage for nearly any driver who needs car insurance.	Go to site More Info	Compare	loading Fetching your data...
Elephant		Optional	Not specified	IL, IN, MD, TN, TX, VA	Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.	Go to site More Info	Compare	loading Fetching your data...
SafeAuto		Included free	No	AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA	Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.	Go to site More Info	Compare	loading Fetching your data...
Direct		Optional	No	AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA	Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.	Go to site More Info	Compare	loading Fetching your data...
Serenity		Optional	No	CO, DE, ID, IA, MD, MS, NE, NV, OH, TN, WA	Connects high-risk drivers to providers in its network offering affordable policies	Go to site More Info	Compare	loading Fetching your data...
Dairyland		Optional	No	All states except AK, LA, GA, HI, MA, MI, MT, NH, NJ, NY, ND, OK, RI	Dairyland offers auto insurance with flexible payment and coverage options for high-risk drivers in 37 states.	Go to site More Info	Compare	loading Fetching your data...

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What if I’m not a Liberty Mutual customer?

If you aren’t currently covered by Liberty Mutual, you may be able to sign up, even if you need an SR-22.

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

It’s possible that Liberty Mutual will increase your premiums now that you require an SR-22. This is because an SR-22 is a red flag in your record that you’re now considered a high-risk driver. Ultimately, your insurance rates will depend on your age, state of residence, driving history and other factors, so be sure to ask how you might be able to mitigate sharp premium increases.

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

It’s up to the discretion of your local Liberty Mutual agent. Liberty Mutual may not cover some high-risk drivers, including those convicted of a DUI or DWI.

If you’re denied coverage by Liberty Mutual, it doesn’t necessarily mean you’ll remain uninsured. Many other companies offer high-risk insurance to those who require an SR-22. And you’re typically told that your policy is canceled with plenty of time to find a new provider.

What is SR-22 insurance?

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

Your state’s DMV will let you know when you’re required to file an SR-22. Depending on where you live and drive, you may need to file for one if:

• You have a lot of points on your driving record.
• You’ve been convicted of a DUI, a DWI or reckless driving.
• Your driver’s license is suspended.
• You were caught driving or in an accident while uninsured or underinsured.

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

How long you’ll need an SR-22 depends on your violation and your state. Most states require SR-22s for at least three years, though timing can be up to five years for charges like a DUI.

Make sure to keep your insurance and SR-22 filing up to date. If you inadvertently allow it to lapse, you could reset the clock on how long you’ll need one. Keep your Liberty Mutual coverage in good standing by paying your bill on time and avoiding further issues on the road.

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

The DMV will notify you when your SR-22 requirement is satisfied. Once you’re out from under an SR-22, let your Liberty Mutual agent know. Your provider will confirm with your state that your SR-22 is no longer required, and it will be remove from your policy. With luck, your policy cost will return to a more reasonable rate.

Ask your Liberty Mutual agent what you can expect for your insurance rates once you no longer need an SR-22.

What if I don’t have a car?

If you don’t have a car but drive from time to time, you still need to maintain your state’s minimum insurance requirements with a non-owner policy.

Non-owner policies cover you as a driver, as opposed to covering a vehicle. Along with this non-owner policy, you’re typically required to file for a non-owner SR-22.

Unfortunately, Liberty Mutual does not currently offer non-owner policies. Talk with your agent to determine whether a standard policy is a possibility.