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

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Is your license revoked or suspended and now you need SR-22 insurance? You may be surprised to learn that you can’t get one on your own.

Instead, 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.

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Name Product Roadside assistance New car protection Available states
Liberty Mutual
Included free
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.
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.
Root
Included free
No
Arizona, Arkansas, Delaware, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Texas, Utah
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 Alaska, Delaware, Hawaii, New Hampshire, Montana, Vermont, Wyoming
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
USAA
Included free
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 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.

Other providers that provide SR-22 insurance

Name Product Roadside assistance New car protection Available states
Liberty Mutual
Included free
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.
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.
Root
Included free
No
Arizona, Arkansas, Delaware, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Texas, Utah
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 Alaska, Delaware, Hawaii, New Hampshire, Montana, Vermont, Wyoming
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
USAA
Included free
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

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.

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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.

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