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Compare SR-22 motorcycle insurance

Get the proof of insurance you need to clear your driving record.

Updated

You can still get bike coverage even though you’re required to file an SR-22. But expect higher rates and a more limited selection of insurance providers than before.

How does SR-22 motorcycle insurance work?

You can either add an SR-22 onto an existing motorcycle policy or apply for a new policy. In both cases, make sure your insurance company offers SR-22 filing. If it doesn’t, you’ll need to look elsewhere for coverage.

Adding an SR-22 may raise your premium because the insurance company considers you a high-risk driver. For example, the average insurance increase for a DUI is over $1,200, but your actual rate increase could be more or less depending on the reason for the SR-22.

How do I get SR-22 motorcycle insurance?

Here’s the basic process of getting a motorcycle SR-22:

  • Call your current insurer or get an online quote from a new insurer. Check for an SR-22 option during the quote process.
  • If you’re not sure the company offers SR-22s, talk to a representative to add the SR-22.
  • Your insurance company then files the required proof with your state. You might see higher insurance rates.
  • Check how long you need to keep the SR-22 on your policy. This may be specified by the judge or DMV.

Compare companies that offer SR-22 motorcycle insurance

Name Product Roadside assistance Accident forgiveness Payment schedule States served
The General motorcycle insurance
Optional
12 months, monthly
43 states (available everywhere except AK DE HI NH MT VT WY)
Avoid riding interruptions with acceptance as a high-risk driver, help with filing an SR-22 and instant access to proof of insurance.
USAA motorcycle insurance
Optional
12 months, 6 months, custom
All 50 states
USAA salutes military members and their families with membership savings, safety rewards and convenient bundling.
EverQuote
EverQuote
Optional
12 months, 6 months, monthly, custom
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
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Compare up to 4 providers

      Why would I need SR-22 motorcycle insurance?

      SR-22 motorcycle insurance is actually not an insurance policy in itself. An SR-22, also known as an SR-22 bond or CFR (certificate of financial responsibility), is simply a form that proves you’re meeting the state’s insurance requirements.

      You may be required to file an SR-22 to regain your full driver’s license if you have committed a violation, like a DUI or driving uninsured. If so, you’ll be notified by a judge during court or by your state’s DMV.

      Reasons you may need an SR-22 include:

      • Driving uninsured
      • Driving with a suspended license
      • Getting a DUI or DWI
      • Multiple driving violations
      • Reckless driving

      What’s not covered by SR-22 motorcycle insurance?

      You can still get a standard motorcycle policy if you need an SR-22. However, you may not qualify for coverage by all insurance companies, limiting your choice of provider.

      You also might not qualify for certain discounts and benefits, like safe driving discounts, claims-free policy and accident forgiveness.

      SR-22 motorcycle insurance in action

      David was riding his motorcycle on the highway one day when a car hit him at an intersection. He bought the motorcycle a few months before but hadn’t purchased insurance for it yet. Though the accident wasn’t his fault, his lack of coverage came to light in the police report.

      David then received a statement from the DMV that he would be required to file an SR-22 for three years. He promptly applied for motorcycle insurance and added the SR-22 onto his policy. His company filed the proper form with the state. But his insurance rate was higher than expected due to the driving violation on his record.

      Bottom line

      If you’re required to show proof of insurance to your state, you can usually add an SR-22 to a new or existing motorcycle policy. Your insurance company files the required form for you. However, because you’re now considered a high-risk driver, you may have a harder time finding an insurer and will see an increase in your premium.

      Compare motorcycle insurance providers who offer SR-22 coverage to find the best deal for you.

      Frequently asked questions about SR-22s for motorcycles

      Get cheap bike coverage

      Compare motorcycle insurance near you.

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