Does Farmers Have SR-22 Insurance?

Farmers offers SR-22 Insurance for an average of just 2% more than regular car insurance. But if you have a DUI conviction, it’ll cost you quite a bit more.
Written by Matthew Lynaugh
Reviewed by Brittni Brinn
background
If you’re a high-risk driver who must submit an SR-22, you can still find a good price on auto insurance with Farmers. The average premium for Farmers SR-22 insurance is just 2% higher than those paid by drivers with a clear driving history. 
Drivers with spotty driving records can expect their
car insurance
rates to jump up at least a little bit, especially if they have to file an SR-22. Comparing
car insurance quotes online
is a good way to keep your SR-22 insurance costs down. 
To start you off with your comparison, we’ll go over everything you need to know about SR-22 car insurance with Farmers.  

Does Farmers offer SR-22 auto insurance?

Farmers
does offer SR-22 car insurance coverage for high-risk motorists. Farmers will submit an SR-22 form on your behalf with your state’s driving authority for a fee ranging from $15–$25 depending on the state. At the same time, they’ll get your SR-22 car insurance policy activated so that you meet your state’s legal car insurance requirements.
Your SR-22 coverage will provide your state’s minimum car insurance requirements, which is usually a combination of
bodily injury liability car insurance
and
property damage coverage
. You can also choose to add additional coverage such as
comprehensive coverage
or
collision coverage
which will protect you and your vehicle in the case of an at-fault accident.
High-risk drivers are usually obligated to maintain SR-22 insurance for three years in order to regain full driving privileges and avoid losing their license, but that time frame can vary from state to state. Once you’ve satisfied that condition, you can
cancel your Farmers car insurance
policy or continue with the company at a reduced rate.
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What is an SR-22 for car insurance?

An SR-22 is a certificate issued by your insurance company certifying that you meet all
legal car insurance requirements as per state law
. This certificate is sent to your state’s Department of Motor Vehicles by your insurance company on your behalf.
State authorities may require you to file an SR-22 following major moving violations like a
DUI
, or if you have accrued a number of infractions over a small period of time. Other infractions that may require you to file an SR-22 include
driving without a license
or
driving without insurance
.

Does Farmers offer non-owner SR-22 insurance?

You can get
non-owner car insurance from Farmers
even if you are required to file an SR-22. In fact, this can be a good way for high-risk drivers who don’t own their own vehicles to demonstrate responsibility and regain their full driving privileges. And, because
non-owner car insurance
policies generally cost significantly less than regular car coverage, it’s an option that could save you a bundle of cash.

Does Farmers have FR-44 insurance?

Most states require high-risk drivers to file an SR-22 to be able to obtain proper car insurance, but
Florida
and
Virginia
require high-risk motorists with serious infractions like a DUI to file
an FR-44
before they can legally drive. 
An FR-44 brings with it higher minimum insurance requirements. For example, In
Virginia
, motorists are only required to carry $25,000 in
bodily injury liability insurance
coverage for single-occupant accidents, $50,000 for multiple occupants, and $20,000 in
property damage liability
coverage. But those minimums jump up drastically with an FR-44 to $50,00, $100,000, and $40,000 respectively.

How much does an SR-22 from Farmers cost?

There are a number of variables that factor into the cost of your Farmers SR-22 car insurance, including your zip code, your
gender
, your age, and the coverages that you select.
Farmers SR-22 coverage only costs 2% more on average than policies for drivers with upstanding driving records. If you have a violation of some significance, like a DUI or a reckless driving conviction, you can expect your Farmers SR-22
car insurance rates to jump up significantly
—about 71% more than Farmers customers with clean driving histories. That’s quite a hefty increase, especially if you live in a state with high minimum insurance requirements like
New Jersey
or
Michigan
.

Which insurance company has the cheapest SR-22 coverage?

With just a 2% average increase in car insurance rates, Farmers certainly offers very affordable SR-22 auto coverage. But, you may be able to find a better deal by shopping around and comparing rates with other reliable car insurance names such as
Progressive
,
State Farm
, and
Travelers
.
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