Does National General Have SR-22 Insurance?

If you are considered a high-risk driver and have a traffic violation on your record, National General offers SR-22 insurance policies.
Written by Andrea Barrett
Reviewed by Hillary Kobayashi
High-risk drivers with an SR-22 filing requirement can find insurance coverage through National General. On average, an SR-22 requirement can increase premiums by more than 50%, but costs through National General vary by state.
If you’ve been nailed for a serious driving violation and your state’s DMV requires you to file an SR-22 form, you can expect your auto insurance rates to increase. But before you pick the first
car insurance
policy you find, consider shopping around with multiple providers to help lower the cost of SR-22 insurance.
Considering National General? Let’s take a look at their offerings for drivers with SR-22 requirements.

Does National General offer SR-22 auto insurance?

Yes—National General offers insurance coverage to high-risk drivers, and they will
file your SR-22 form
with your state’s Department of Motor Vehicles. National General doesn’t specify the filing fee for an SR-22 form, as it varies by state, but you can expect a charge between $15 to $25 to file your form and activate your SR-22 auto insurance policy.
Purchasing an SR-22 insurance policy with National General shows that you meet your
state's minimum auto liability insurance requirements
and any other coverage required in your state. You may also be able to purchase
comprehensive insurance
from National General with an SR-22 certificate.
In most states, you’ll be required to maintain your SR-22 filing for three years, but it can vary from one to five years. Once the required period is up, you can
cancel your National General insurance coverage
or maintain a policy with them at a lower premium.
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What is an SR-22 for car insurance?

SR-22 insurance isn’t a
type of car insurance
coverage—it’s a certificate of financial responsibility mandated by your state that shows
high-risk drivers
meet the minimum car insurance requirements. Your policy will remain the same as your previous policy unless your state requires you to increase your coverage limits.
In most cases, states will require a driver to file an SR-22 if they’ve committed a serious moving violation, such as negligent driving or
. You may also be required to file an SR-22 if you were caught
driving without a license
without car insurance
, or if you rack up multiple traffic offenses in a short time frame.

Does National General offer non-owner SR-22 insurance?

Yes! National General offers
non-owner car insurance
policies to drivers, but they don’t specify whether drivers who require an SR-22 are eligible. Non-owner car insurance through National General is liability-only coverage, so it will only cover bodily injuries and property damage for the other party involved in an at-fault accident—it won’t cover damage to your vehicle.
On average, non-owner insurance with National General costs around $500 per year for drivers with a clean driving record, so you can expect rates to be higher with an SR-22 requirement. 

Does National General have FR-44 insurance?

Yes, National General offers FR-44 insurance. Most states require an SR-22 certificate for high-risk drivers, but there are a couple of exceptions—
use what’s called
an FR-44
to deal with serious driving violations, especially a DUI/DWI conviction.
The primary difference between FR-44 and SR-22 insurance is coverage requirements—they’re substantially higher for drivers requiring an FR-44. In Virginia, for example, you’ll need to purchase a policy with insurance coverage that has double the minimum liability limits. That means:
In Florida, FR-44 liability requirements are even steeper:
  • $100,000 for bodily injury or death to one person
  • $300,000 for bodily injury or death of two or more people
  • $50,000 for property damage liability

How much does an SR-22 from National General cost?

The exact cost of an SR-22 insurance policy from National General will depend on the driving violation, your coverage, and where you live—that’s on top of the usual factors, like age, vehicle type, gender, and more.
On average, drivers with SR-22s will pay anywhere from 25% to over 50% more for coverage than drivers with
a clean driving record
. But serious traffic violations—especially a DUI—can
increase your car insurance rates significantly
(sometimes as much as five times).
You’ll also pay a higher premium if you exceed the minimum state insurance requirements or live in a state with higher-than-normal minimum coverage needs.

Which insurance company has the cheapest SR-22 coverage?

If you’re looking to save a few bucks on SR-22 insurance, comparing quotes from multiple insurance providers is your best bet. The cost of your policy will depend on the violation, with more serious offenses leading to higher insurance rates.
State Farm
, and
offer some of the most affordable rates for drivers with an SR-22 requirement. Keep in mind that your rate likely does not include the cost of filing an SR-22, which varies by state.
reduced my bill from $240/month to $176/month for National General. I was able to keep the same coverage!” —Erin H.
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