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Everything You Need To Know About SR-22 Insurance GEICO

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Image via Pixabay by stevepb

An SR-22 is a certificate of financial responsibility required of some drivers by state law or court order. An SR-22 is not a type of insurance. Rather, it’s paperwork that your insurance company will have to submit to your state. This form verifies that your motor insurance policy fulfills the state’s minimum liability coverage requirements.

Who needs an SR-22 certificate?

An SR-22 form isn’t required for everyone. When you do need one, it’s usually because the court or your state’s motor vehicle department requires it after certain traffic violations, such as:

  • A conviction for driving under the influence (DUI) or driving while intoxicated (DWI)
  • Serious traffic violations (such as reckless driving)
  • Recurring traffic violations
  • Causing an excessive number of automobile accidents
  • Driving without insurance and causing a vehicle accident
  • Suspension or revocation of your driver’s license
  • Having a hardship license, such as a temporary permit that limits your driving hours due to license revocation or suspension
  • Failure to pay court-ordered child support

The court or your state may require you to submit an SR-22 as a condition of restoring your driving privileges. This form serves as verification that your car insurance coverage meets your state’s minimal liability requirements. This liability coverage often includes property damage and bodily injury liability up to state-mandated minimum levels. The length of time you must have an SR-22 depends on the reason for your license suspension or revocation. More severe transgressions may necessitate carrying the SR-22 for a longer period of time.

Most drivers who are required to submit an SR-22 will have to do so for at least three years, but in some cases, drivers may need to file for five years or more. Different states also set different due dates for SR-22 filings. In some states, you may have to file an SR-22 on the day of the incident. In others, it may be due on the day of your conviction, the day your license is suspended, or the day your license is reinstated.

Verify with your state’s motor vehicle agency to see how long you must keep an SR-22 on file. You also must remain insured after filing this document. If your automobile insurance coverage fails or expires, your insurance provider is compelled to notify the state, which might result in your license being suspended or revoked. You’ll also have to file a new SR-22, and it may be more difficult to get reinsured by a new vehicle insurance carrier. 

Why should you choose GEICO for your SR-22 insurance?

If you need to file an SR-22, you should consider purchasing a policy through GEICO. GEICO has a history of assisting high-risk drivers with keeping their insurance and driving privileges current. The most expensive aspect of filing an SR-22 is that the driver’s insurance rates will increase. Depending on the sort of infraction and the driver’s age and location, premiums might climb by 25% or more following a driving violation.

Having a clean record for a long period of time will eventually help your premium to decrease. In the meantime, GEICO’s discounts, including those for airbags (25%-40% off personal injury protection), anti-theft systems (25% off comprehensive coverage), and anti-lock brakes (5% off collision coverage), may help to offset some of the hikes. GEICO’s website is the best place to acquire an accurate SR-22 insurance quote tailored to your situation and needs.

How can I apply for an SR-22 insurance form through GEICO?

If you’re already a GEICO client, simply contact your agent to arrange for them to file on your behalf. In most states, the filing fee is between $25 and $50. If you aren’t already a GEICO policyholder, you can get a quote or a policy online. Simply check “yes” when asked whether you need any special paperwork as you go through the application process.

Here’s everything you’ll need to obtain your customized SR-22 quotation:

  • Your postal code
  • The year, make, and model of the vehicle you’re insuring
  • Your complete name and birth date
  • Your home address, phone number, and email address
  • Your Social Security or Taxpayer Identification Number

Because an SR-22 is attached to a driver rather than a vehicle, you may be required to file this form even if you don’t own a vehicle to insure. GEICO issues non-owner SR-22s. It may be counterintuitive to file a document that’s meant to pair with a car insurance policy if you don’t own a car, but you will need this non-owner SR-22 paperwork if you intend to purchase and insure a vehicle later on. The cost of this type of SR-22 depends on your age, gender, ZIP code, and the type of infraction that occurred.

What is the cost of an SR-22 form through GEICO?

SR-22s aren’t very pricey on their own. As part of your policy, your motor insurance provider may submit the paperwork for free. GEICO premiums are often lower than those of other carriers. However, the driving offenses on your record will have a significant impact on the cost of your insurance since you are now deemed a high-risk driver.

For example, prices for bodily injury coverage for a person with a DUI can be up to 60% more than premiums for automobile insurance without a DUI. People who have SR-22 restrictions and need a new policy may be required to pay for the whole policy before being authorized for coverage. This stipulation can be a significant financial burden, but if you can afford it, paying for your policy in full upfront ensures that you will have auto insurance for the whole term and that you will not be penalized if your coverage lapses.

The easiest approach to obtaining an inexpensive SR-22 filing is to shop around and compare prices from several suppliers.

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.

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About the Author

FIXD Research Team

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

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