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.

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 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.

Compare Liberty Mutual to other SR-22 insurance

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Name	Product	Roadside assistance	Accident forgiveness	Payment schedule	States served
The General		Optional		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.	Get quotes More Info	Compare	loading Fetching your data...
SafeAuto				12 months, 6 months, Quarterly, monthly (fee applies)	AZ, CA, GA, IL, IN, KS, KY, LA, MD, MS, MO, OH, OK, PA, SC, TN, TX, VA	High-risk drivers can steer into savings from discounts and payment options like reduced premiums with a down payment.	Get quotes More Info	Compare	loading Fetching your data...
National General				12 months, 6 months, custom	All 50 states	Nab flexible coverage and tremendous savings for drivers who have trouble finding coverage elsewhere. Talk to an agent at (833) 319-0553.	More Info	Compare	loading Fetching your data...
Serenity		Optional		12 months, 6 months	CO, DE, ID, IA, MD, MS, NE, NV, OH, TN, WA	Connects high-risk drivers to providers in its network offering affordable policies	More Info	Compare	loading Fetching your data...
EverQuote		Optional		12 months, 6 months, monthly, custom	All 50 states	Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.	Get quotes	Compare	loading Fetching your data...
National Auto		Optional		Depends on provider	All 50 states	Get quotes	Compare	loading Fetching your data...

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