If you’ve been categorized as a “high-risk” driver in need of an SR-22 on file, you can still find affordable coverage through Direct Auto Insurance. On average, your premium will only be about 10 to 15% more than drivers with clean records.

If you’ve been convicted of a traffic violation requiring the submission of an SR-22 form, your insurance costs are inevitably going to go up. Still, you can make sure that you get the best possible rate by comparing offers from different

car insurance

companies before you buy.

Without further ado, let’s take a gander at what Direct Auto can do about your SR-22 requirement.

Does Direct Auto offer SR-22 insurance?

Indeed they do. Even if you’re a high-risk driver, Direct Auto can offer you insurance coverage and will even

file your SR-22 form

with the state DMV. Most states charge a nominal fee for this process, and you can expect it to cost between $15 and $25 for Direct Auto to file your paperwork and activate your SR-22 coverage.

Your new Direct Auto SR-22 policy will automatically include your state’s

minimum liability insurance requirements

, as well as any additional coverages required by the DMV. If you drive a luxury vehicle and want to bulk up your liability coverage with

collision

and

comprehensive insurance

, Direct Auto gives you the option of purchasing a full coverage policy to go with your SR-22 certificate.

Most of the time, you’ll need to keep your SR-22 on file and up to date for three years or you’ll be at risk of losing your driving privileges. After three years have passed, you’ll be able to

cancel your Direct Auto coverage

or obtain a new policy at a more affordable rate.

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What is an SR-22 for car insurance?

Even though it’s often referred to as “SR-22 insurance,” this is a bit misleading because an SR-22 isn’t actually a kind of car insurance coverage. Rather, it is a certificate of financial responsibility provided to the DMV by your insurance provider in order to verify that you are meeting the state’s minimum auto insurance requirements.

Certain major violations—like a reckless driving charge or a

DUI/DWI conviction

—will require an SR-22 to be filed. Other reasons can include driving

without a driver’s license

while uninsured

, or if you have a record of repeated at-fault accidents.

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What is SR-22 insurance? Do I need it?

Does Direct Auto offer non-owner SR-22 insurance?

Yep! Direct Auto offers

non-owner car insurance

to drivers who don’t own their own vehicle but still need to file an SR-22 after a license suspension. Obtaining SR-22 coverage is often the only way to regain driving privileges after certain violations, so purchasing non-owner car insurance is a good way to save money if you don’t have your own car.

Does Direct Auto have FR-44 insurance?

The majority of US states require high-risk drivers to submit an SR-22 certificate, but

Florida

and

Virginia

require drivers with the most severe violations to file what’s known as

an FR-44

If you’re a Florida or Virginia driver in need of an FR-44, you’ll have to deal with extra coverage requirements. For example, most drivers in Florida don’t need to purchase

bodily injury liability insurance

because only

property damage liability

is required by state law. Regardless, FR-44 insurance policies require that drivers carry a minimum of $100,000 per person and $300,000 per accident of bodily injury liability coverage.

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What is a high-risk driver?

How much does an SR-22 from Direct Auto cost?

The specific cost of a Direct Auto SR-22 policy depends on certain things—the reason for the SR-22, your chosen coverage options, where you live, and the usual factors like the car you drive and your age.

Typically, drivers with Direct Auto SR-22s pay a mere 10 to 15% extra compared to drivers with

clean records

. However, the more serious infractions—DUIs in particular—can raise your car insurance rates significantly (by as much as 200% or more). You’ll also pay extra if you buy more than the minimum insurance threshold or if you live in a state like

Michigan

with steep minimum coverage requirements.

Which insurance company has the cheapest SR-22 coverage?

Direct Auto might be a budget-friendly option for high-risk drivers, but the significant cost of SR-22 insurance reinforces the importance of comparing multiple quotes from different insurers. Depending on your personal profile and driving history, competing insurance companies like

GEICO

Progressive

, or

Nationwide

might be able to offer you a better rate.

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