Progressive is one of the largest providers of insurance products in the US, covering more than 13 million people. Since 1956 they’ve specialized in the niche market of high-risk drivers. If you’re already a Progressive customer or thinking or becoming one, there’s good news: You can get your SR-22 documents through Progressive.
Getting SR-22 insurance with Progressive
If you’re required to file an SR-22 to get back on the road, either your state’s motor vehicles department or a judge will alert you that you need to file the necessary paperwork. Those that need an SR-22 are considered high-risk drivers. Not all insurance companies will cover high-risk drivers. But Progressive specializes in insuring high-risk drivers through an easy online process.
If you’re currently insured by Progressive, simply contact your agent to begin the process. Your provider will file for your SR-22 on your behalf. You’ll typically pay a fee of $25 to $50 for the paperwork and filing. Because those who require an SR-22 are considered high-risk drivers, you’ll likely see your premiums increase.
If you aren’t yet a Progressive customer, apply online for a policy. As you complete your application, you’ll simply check a box when asked if you require any special documentation.
What if I don’t have a car?
Because an SR-22 covers a driver and not the driver’s car, it’s possible that you’ll need SR-22 coverage even without a vehicle to insure. In this case, Progressive may issue a nonowner SR-22.
If you plan to drive at all, you’ll need the nonowner SR-22 to avoid fees and penalties that could include jail time, depending on your state. The costs of a nonowner SR-22 depend on your age, gender, ZIP code and reason for this extra coverage. It’s best to call and speak with an agent for guidance.
How long will I be required to file SR-22 documents?
For as long as you’re required by the state’s orders, you’ll need to keep your insurance policy active and a current SR-22 on file. As long as your Progressive policy is in good standing, they will handle filing the SR-22 documents with your state. If you miss a payment or let your policy lapse, it’s Progressive’s responsibility to report that to your state. Often a driver who lets their policy lapse loses their SR-22 — and therefore the right to legally drive in their state.
What happens when I don’t need an SR-22 anymore?
Once your required time is up — typically three years, depending on your state — your state’s DMV will let you know. At that time, you can let Progressive know to remove the SR-22 from your policy. Once they’ve confirmed with the DMV that you no longer need this extra coverage, you should be back to a cheaper policy.