Serenity Insurance car insurance review May 2019 |

Serenity car insurance review

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  • Top insurer for high-risk drivers
  • Accepts drivers with multiple DUIs
  • Provides SR-22 filings
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Affordable auto insurance for high-risk drivers requiring an SR-22 or other special coverage.

  • Get a quote if you want a broker to help you choose from multiple providers.
  • Pick something else if you have a good driving record and want discounts.
  • Drivers who have let their coverage laps in the past can get coverage.
States served Colorado, Delaware, Idaho, Iowa, Maryland, Mississippi, Nebraska, Nevada, Ohio, Tennessee, Washington
Roadside assistance Optional
Pay schedule 12 months, 6 months
Claims methods phone, in-person
New car protection No
Accident forgiveness No


  • Top insurer for high-risk drivers
  • Accepts drivers with multiple DUIs
  • Provides SR-22 filings


  • Not the best rates for low risk drivers
  • Not many discounts
Anti-theft device discount No
Bundling discount No
Defensive driving discount No
Good student discount No
Loyalty discount No
Homeowner discount No
Military discount No
Safety device discount No
Special employment discount No
Usage-based discount No
Other discounts No
Rideshare coverage No
SR-22 coverage Yes
Temporary & short term coverage No

Who is Serenity Insurance best for?

Serenity is best for high-risk drivers looking for at least the minimum coverage required by their state at a price that won’t break the bank — especially drivers whose records include DUIs, DWIs or other high-point infractions.

But it’s not only tickets that can knock you into the high-risk category. If you’re newly licensed, have poor credit or let your coverage lapse in the past, it might be more difficult to sign on with cheap rates.

Serenity boasts that it was the first insurance provider in the US to offer insurance to those requiring an SR-22, potentially giving it an edge over bigger providers in the industry.

What is Serenity Insurance?

Unlike a direct insurer, Serenity Insurance is an auto insurance broker focused on serving drivers with DUIs and other offenses. Providers in its network include Progressive, The General, Kemper, Dairyland, NGIC, Infinity and Commerce West.

In business for more than 20 years, it calls itself the “SR-22 expert” focused on helping high-risk drivers get back on the road. If you need an SR-22 to reinstate your license, Serenity takes you on, submitting to the DMV confirmation that you meet the state’s minimum liability laws.

Serenity’s founder and CEO, Thomas A. Black, founded the company on the belief that people with DUIs deserve an insurance company that understands and respects them.

What car insurance coverage does Serenity Insurance offer?

Serenity works with seven insurance providers to offer coverage to high-risk drivers, including those requiring an SR-22. All policies include the minimum coverage necessary needed to reinstate your license after a DUI or other driving offense.

Speciality policies that fulfill both your state’s minimum liability and SR-22 requirements include:

  • SR-22 filings. Satisfies the requirements to get you back on the road.
  • Non-owner car insurance. Fulfills your state’s minimum liability requirements if you don’t own or have access to a vehicle but need insurance. Policies cover liability only, which means other parties in an accident are covered but your personal damages are not. Not available in Colorado, Maryland, New Jersey or New York.
  • Broad form insurance. Fulfills your state’s minimum liability requirement and covers any victim’s damages resulting from an accident, but not your own. It’s available in Colorado, Delaware, Idaho, Iowa, Maryland, Mississippi, Nebraska, Nevada, Ohio, Tennessee and Washington only.

Serenity Insurance rates

If you have a clean driving record, you can get a policy with Serenity, but it likely won’t come with the best rates you’re eligible for. Because Serenity focuses its policies on high-risk drivers, rates tend to be higher than other providers, though they vary by the severity of your offense and your state of residence.

Get a rate quote in minutes by calling Serenity’s customer support at 800-774-0520 weekdays from 5:30 a.m. to 6 p.m. PT.

What discounts can I get with Serenity Insurance?

The providers in Serenity’s network tend to avoid the discounts that can apply to other policies, like those for improved driving or getting good grades.

Instead, Serenity focuses on getting you back on the road after a DWI, DUI or other serious offenses.

Are there any coverage maximums?

Serenity’s coverage options vary among drivers, as do limits and maximums. Affecting coverage maximums are your driving offenses and your state’s laws concerning SR-22s.

Generally, coverage maximums involve basic liability, covering only the victim’s damages in the case of an accident. Depending on the provider your policy is ultimately underwritten by, combined single limit insurance can top out between $150,000 to $300,000.

Pros and cons


  • Top insurer for high-risk drivers. Serenity focuses its policies on drivers who might have trouble finding coverage elsewhere.
  • Accepts drivers with multiple DUIs. Drivers with DUIs and DWIs aren’t turned away for coverage.
  • Provides SR-22 filings. When you pick up a policy with Serenity, the provider files all the necessary paperwork to reinstate your license.


  • Not the best option for good drivers. Serenity’s focus is on high-risk drivers. If you have a good driving record, you’ll likely find a better rate elsewhere.
  • Not many discounts. Serenity works to get its high-risk customers back on the road, avoiding multiple policy and other discounts its competitors can provide.

What do customers say about Serenity Insurance?

Overall, customer satisfaction is mostly positive, with many customers highlighting the helpful and responsive support. As of this writing, Serenity earns a high 9.5 out of 10 on Trustpilot, with 88% of its reviews positive.

Serenity’s reps often respond to any negative reviews. This shows the company holds good customer experience in high regard.

Accredited by the Better Business Bureau since 2010, Serenity Insurance earns an A+ rating with the BBB, with only four complaints in three years.

How do I apply for a policy with Serenity?

You can start your application online, but you’ll need to eventually speak with an agent to receive a quote:

  1. Go to Serenity Insurance’s website and click Get a Quote.
  2. Enter your name, gender, age, ZIP code, email and phone number. Indicate whether you have a vehicle or require an SR-22 filing, then click Submit.
  3. An agent will get in touch with you with a quote.

What information do I need to apply?

You’ll need to provide your contact information, financial details for billing as well as information on any vehicles you own — including the VIN, make and model.

Depending on the provider you’re matched with, you may need to submit further documentation to complete the process.
How do I find an Serenity Insurance agent near me?
Serenity is an online broker that doesn’t operate out of physical brick-and-mortar locations.

After you’re matched with a provider in its network that’s willing to provide you with a policy, you may be able to visit a physical location to speak with an agent or pay your policy. If that’s important to you, ask the rep when you receive a quote.

How do I make a claim?

Serenity doesn’t offer the ability to start a claim online. Instead, you’ll need to contact the provider Serenity connected you with for a policy.

Serenity representatives can provide contact information the provider it’s matched with, if you don’t have it on hand.

How to contact Serenity Insurance?

Contact Serenity’s customer service team at 877-215-4610 weekdays from 6:30 a.m. to 5:30 p.m. PT and Saturdays from 8 a.m. and 5 p.m. PT.

During business hours, you may be able to speak with a representative via Serenity’s live chat. Go to the site, click Contact Us in the top bar and then click Chat with a Specialist.

For general questions about policy documents and billing, send a message through Serenity’s Contact Us page. A representative will be in contact within one business day.

Does Serenity Insurance offer other types of insurance?

Serenity’s focus is on auto insurance, but it also offers RV, boat and motorcycle insurance for high-risk drivers.

  • Motorcycle insurance. Policies available for motorcycles, scooters and mopeds, as well as SR-22 insurance if needed.
  • Boat insurance. Insured options include liability, total loss replacement and emergency towing on the water.
  • RV and trailer insurance. Insured options include total loss replacement, 24-hour roadside assistance, emergency vacation expense, a full-timer’s package and replacement costs for personal expense.

What car insurance providers are similar to Serenity Insurance?

There aren’t many providers that cater specifically to high-risk drivers. Among those that do are The General, Geico Casualty and Titan Insurance.

These direct insurers file SR-22s for high-risk drivers, allowing them to get back on the road with their state’s minimum coverage.

Compare Serenity to other providers

Name Product Roadside assistance New car protection Accident forgiveness Available states
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
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.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
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 24 states.
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.
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.
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.

Compare up to 4 providers

Bottom line

Serenity Insurance is go-to broker for high-risk drivers, especially those with DUIs, DWIs and similar offenses on their records. Knowing the needs of its core group of drivers, it provides support you might not find with big-name providers.

If you’re having trouble finding coverage elsewhere, see if Serenity Insurance can connect you one of the providers in its network.

To learn more about finding the right car insurance among providers, compare car insurance to find the best option for you.

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