If you have an SR-22 filing requirement, you can find affordable insurance through Nationwide—drivers pay just 2% more than drivers with a clean record.

If you have a serious driving violation on your record and your state’s DMV requires you to file an SR-22 form, you can expect higher-than-average insurance rates. But before settling for the first

car insurance

quote you get, consider shopping around with multiple providers to help reduce your SR-22 insurance costs.

If you’re considering going with Nationwide, take a look at their offerings for drivers with SR-22 requirements.

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Everything you need to know about Nationwide car insurance

Does Nationwide offer SR-22 auto insurance?

Yes—Nationwide offers insurance coverage for

high-risk drivers

and they will

file an SR-22 form

with your state’s Department of Motor Vehicles on your behalf. Typically, Nationwide charges between $15 to $25 to file your form and activate your SR-22 auto insurance policy, but fees may vary by state.

If you purchase an SR-22 insurance policy with Nationwide, it will provide coverage that meets your

state's minimum auto liability insurance requirements

and any other coverage required. You can also purchase

collision

and

comprehensive insurance

from National General with an SR-22 certificate, which will offer better protection in the event of an accident.

In most states, SR-22 insurance is required for three years, but contact your local DMV branch for details on the requirements in your state. If you cancel your insurance before the required ST-22 period ends, your insurer must inform traffic authorities, which could result in your driver’s license being suspended or revoked.

Once the mandatory period is up, you can cancel your Nationwide insurance coverage or shop around for a cheaper rate.

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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 actually a certificate of financial responsibility required by the state that proves

high-risk drivers

meet the minimum car insurance requirements in their state. If you have an existing car insurance policy, it will remain the same unless your state requires you to increase your coverage limits.

Laws surrounding SR-22s differ among states, but most circumstances in which you’ll need one are the same. Some of the most common reasons drivers are required to file an SR-22 include the following:

DUI/DWI conviction

or another serious moving violation

Multiple traffic violations within a short period

Driving without insurance

or being in an accident without proper insurance

Driving without a driver’s license

Unpaid child support

You will need an SR-22 to have a revoked or

suspended license reinstated

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

Does Nationwide offer non-owner SR-22 insurance?

Yes! Nationwide does offer non-owner car insurance for policyholders with SR-22 requirements. In most cases, filing an SR-22 form is the only way to regain driving privileges. Non-owner SR-22 insurance is also a good option if:

You cannot reinstate your license without car insurance

You regularly rent

You frequently use car-sharing services

You want to maintain continuous coverage and prevent an insurance lapse

Depending on your state, your non-owner SR-22 insurance policy may include other types of insurance coverage, including liability insurance,

personal injury protection (PIP)

, or

uninsured motorist coverage

Does Nationwide have FR-44 insurance?

Yes. Most states require an SR-22 certificate for high-risk drivers, but there are exceptions—

Florida

and

Virginia

require insurers to file an

FR-44

for drivers with a DUI/DWI conviction. Although an SR-22 and FR-44 are similar in many ways, drivers who need an FR-44 must have more extensive liability coverage than the minimum requirements in their state.

For example, the Virginia DMV requires drivers to purchase a policy with insurance coverage double the minimum liability limits. That means:

$60,000 for

bodily injury liability

per person

$120,000 for bodily injury liability per accident

$40,000 for

property damage liability

In Florida, FR-44 liability coverage limits are even higher:

$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

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High-risk car insurance: Everything you need to know

How much does an SR-22 from Nationwide cost?

The exact cost of an SR-22 insurance policy from Nationwide varies based on several factors, including the driving violation, your coverage needs, and where you live—that’s in addition to the usual factors that influence insurance rates, like age, gender, vehicle type, and more.

Nationwide claims that drivers pay only 2% more for SR-22 insurance than drivers with a

clean driving record

and a standard insurance policy, but your rates may be higher. Also, keep in mind that a serious traffic violation—especially a DUI—can

increase your car insurance rates exponentially

(sometimes as much as five times). You can also expect to pay a higher rate if your coverage limits exceed the minimum state requirements.

Which insurance company has the cheapest SR-22 coverage?

Comparing quotes from multiple providers is the best option if you’re looking to lower your SR-22 insurance costs. The cost of your policy is heavily influenced by the type of violation, with more serious offenses leading to higher insurance rates.

If you’re looking to save money,

Progressive

State Farm

, and

USAA

offer some of the most affordable rates for drivers requiring an SR-22.

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