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How to get an SR-22 with USAA
Compare SR-22 insurance from USAA, but you'll need to be a USAA member.
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. 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 insurer.
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 license 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 files 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.
How much is SR-22 insurance from USAA?
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.
What if I’m not a USAA customer?
If you’re not a USAA member, you’ll have to set up a membership account online before you can get a free quote or get a policy with USAA. USAA memberships are 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 these details:
- Your name and date of birth.
- Your home address, phone number and email address.
- Your Social Security number or Taxpayer Identification Number.
Compare USAA to other SR-22 insurance
Can I get SR-22 insurance from USAA 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 for SR-22 drivers.
Will USAA raise my premiums if I file for an SR-22?
It’s possible that your car insurance rates will go up after filing an SR-22, since you’re considered a high-risk driver. Any increase in risk typically results in higher rates, but just how high depends on your insurance company, 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?
USAA does not guarantee that it covers 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, rather than canceling your coverage.
If USAA chooses to cancel your policy, you’ll typically receive a notice so that you can begin looking for another insurer before you’re canceled. Talk with your local USAA agent to discuss what you can expect regarding your policy.
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 vehicle 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.
How long am I 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 confirms 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.
Common questions about USAA SR-22 insurance
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