Does Esurance Have SR-22 Insurance?

Esurance offers affordable SR-22 insurance coverage for many drivers with traffic violations.
Written by Melanie Krieps Mergen
Reviewed by Kathleen Flear
background
Esurance is one provider that offers auto insurance coverage to
high-risk drivers
with SR-22 filing requirements. While insurance with an SR-22 requirement often comes at a higher cost, the average premium from Esurance generally only costs about 8% more than it would for a driver with a clean record.
If you fall subject to SR-22 requirements after a violation, you can pretty reliably expect to see your insurance costs rise—but shopping around for
car insurance
quotes from different providers can help you avoid paying more than you have to for coverage.
Here’s what to know about SR-22 car insurance from Esurance.
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Does Esurance offer SR-22 auto insurance?

Yes, Esurance offers car insurance coverage to drivers who have SR-22 filing requirements
You’ll typically be responsible for an SR-22 filing fee once Esurance files your SR-22 with your state’s department of motor vehicles (DMV). The cost of that fee will vary depending on what state you live in, but generally, you can expect to pay about $15 to $25
At the very least, your SR-22 car insurance policy from Esurance will need to have at least your state’s
minimum amount of required liability insurance
, and some states may require higher limits or additional coverage for drivers who require SR-22s.
Beyond what your state requires, you might also want to consider additional coverage, like
collision
and
comprehensive insurance
, especially if you have a newer or more valuable vehicle.
Once the period for your SR-22 requirement finally comes to a close—this will depend on your state and the applicable offense(s) but can often range from three to five years—you can decide whether to find a new provider and
cancel your Esurance coverage
or stick with them and enjoy a less expensive premium.

What is an SR-22 for car insurance?

To be clear, SR-22 isn’t a particular type of car insurance coverage. It’s a certificate-filing requirement in addition to the policy itself that certifies your financial responsibility. Your insurer will file this form with your DMV to verify you have the minimum amount of car insurance required by your state.
State laws determine when you’ll need to file an SR-22 and for how long. You may have to do so after:
  • Severe violations, like a
    DUI/DWI
    or reckless driving
  • Receiving a high number of tickets within a certain time frame
  • Having a suspended or revoked driver’s license

Does Esurance offer non-owner SR-22 insurance?

It does! Esurance offers
non-owner car insurance
to drivers with SR-22 requirements as well. 
If you need to reinstate your driving privileges but don’t have a car of your own, this option will cost you less than a traditional car insurance policy.

Does Esurance have FR-44 insurance?

SR-22s aren’t the only type of filing requirements that apply to high-risk drivers. Some states, including
Florida
and
Virginia
, have another filing requirement called
FR-44
that’s reserved for the most serious driving violations.
Because the offenses it deals with are more severe, those who have to file an FR-44 will typically be subject to stricter insurance coverage requirements than the typical state-required minimums. 
For example, if you have to file an FR-44 in Florida, you’ll need to have at least $100,000 per person and $300,000 per accident in
bodily injury liability coverage
and at least $50,000 per accident in
property damage liability coverage
. That’s a lot more than the typical
Florida state minimums
: just $10,000 per accident in property damage liability coverage and $10,000 in personal injury protection (PIP) coverage.

How much does an SR-22 from Esurance cost?

The true cost of an SR-22 car insurance policy from Esurance will largely depend on the reason for the requirement and the amount of coverage you choose.
Beyond these, all the other
factors that affect car insurance rates
will apply here as well, including your location, age, the type of vehicle you drive, and more.
Drivers who have SR-22 car insurance policies only pay about 8% more than the typical person with a
clean driving record
. But the more serious the violations on your record, and the more coverage you add (whether it’s by necessity or choice), the more you can expect to pay.

Which insurance company has the cheapest SR-22 coverage?

Esurance could be an affordable coverage option for those who have SR-22 requirements to satisfy. But to find the best rate available to you, compare the quote you get from Esurance with those from other providers that offer SR-22 coverage, like
GEICO
,
Travelers
, and
Progressive
.
To save even more on your premium, be sure to take advantage of any available car insurance discounts!
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