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

How to get an SR-22 with USAA

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An SR-22 document — often called a certificate of insurance — is sometimes required for drivers who’ve had DUI convictions or are caught driving uninsured.

If you’re in need of an SR-22, your first step is selecting an insurance provider.

The Texas-based financial group USAA provides a range of products to US military members and their families. If you’re already a USAA customer, you can file your SR-22 documents through this highly rated provider.

How do I get an SR-22 with USAA?

If you currently have an active insurance policy with USAA, contact your local USAA agent and request that they file an SR-22 on your behalf.

To file your SR-22, your USAA agent will require information and documentation including:

  • Your date of birth and Social Security number.
  • Your state of residence and driver’s licence number.
  • The date your license was suspended.
  • The date that you anticipate your SR-22 is no longer required.
  • Any applicable information on your conviction.

Your USAA agent will file your SR-22 documents to the state on your behalf. You’ll typically pay a filing surcharge of $15 to $25 and your premiums could increase, depending on your state of residence, age, gender and driving record.

Follow up with USAA to confirm that your SR-22 has been filed. You can also check the status of your SR-22 document by contacting your local DMV.

What is SR-22 insurance?

Contrary to what its name suggests, SR-22 insurance isn’t actually insurance. Instead, it’s a vehicle liability document that confirms a driver has an active insurance policy in place that meets liability requirements for their state.

Not everyone is required to file an SR-22. You may be asked to provide one if:

  • You’re convicted of a DUI.
  • You’re caught driving uninsured.
  • You’re involved in a serious accident that causes injury.
  • You have a lot of points on your driving record.

An SR-22 is typically required of people classified as high-risk drivers. Should you need an SR-22, your insurance company can file one for you on your behalf.

Other providers that offer SR-22 insurance

Name Product Roadside assistance New car protection Available states
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.
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.
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.
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.
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.
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.
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.
Optional
No
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.
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.
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.
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.
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
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.

Compare up to 4 providers

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

If you require an SR-22, you’ll be informed by your state’s motor vehicles departments or through a court ruling. You can contact your local DMV office to request further information about SR-22 coverage in your state.

USAA files SR-22 forms for its customers — but be aware that not all insurance companies do.

What if I’m not a USAA customer?

If you’re not a USAA customer, you can request a free online quote by visiting its website. USAA offers auto insurance policies in all 50 states and Washington, DC.

To get a policy with USAA, you must be eligible for USAA membership, which is open to members of the military or those who are part of a military family.

Once you’ve become a member of USAA, you can get an online insurance quote from USAA with:

  • Your name and date of birth.
  • Your home address, phone number and email address.
  • Your Social Security number or Taxpayer Identification Number.

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

Filing periods vary by state and offense, but most states require an active insurance policy and SR-22 for three to five years.

For your SR-22 documents to be valid, you must maintain continuous coverage with USAA. Failing to remain an active policyholder could result in the suspension of your driving privileges, stiff fines and even jail time.

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

You’ll receive notification from your local DMV that you’re no longer required to file an SR-22. You are then responsible for contacting your local USAA agent to inform them that the SR-22 can be removed from your policy. Once USAA confirm this information with your state’s motor vehicles department, it will remove the SR-22 from your policy. You may even see a lower premium in your future bills.

What if I don’t have a car?

Even without a car, your state could require you to file SR-22 documents as a non-owner.

If you occasionally drive vehicles that you don’t own, you must buy a non-owner car insurance policy. USAA offers non-owner insurance policies to which you can add filing for an SR-22 document.

What do USAA’s customers say?

USAA customers crow about its responsive customer service that works with you in difficult situations. At least one user reports in a forum that rather than a rate increase, they paid a mere $10 monthly fee for each month they were required to file an SR-22. That’s not chump change — it’s something like $350 over three years — but a low fee is certainly preferable to a potentially high rate increase with an unclear expiration date.

Call your USAA agent as soon as you know that an SR-22 is required so that you can understand what to expect with your policy.

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

It’s possible that your car insurance rates will go up because when you file for an SR-22, you’re considered a high-risk driver. Any increase in risk typically results in higher rates, but just how high depends on your provider, driving history, state of residence and other factors.

Contact your local USAA agent directly to discuss changes to your current policy that can result from an SR-22 filing.

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

It could: USAA does not guarantee that it will cover all drivers who file for an SR-22. But it’s more likely that USAA will increase your rates for the duration of your SR-22 requirement.

If USAA chooses to cancel your policy, you’ll typically receive notice so that you can begin looking for another provider before you’re canceled. Talk with your local USAA agent to discuss what you can expect regarding your policy.

Common questions about USAA

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