Does Liberty Mutual Have SR-22 Insurance?

Liberty Mutual does offer SR-22 insurance coverage options, but SR-22 drivers will typically pay rates up to 133% higher than drivers with a clean record.
Written by Liz Jenson
Reviewed by Christelle Agustin
background
Drivers filing an SR-22 through Liberty Mutual will face rates 133% higher than those with a clean driving record.
SR-22 insurance is typically more expensive than classic insurance, but actual rates vary from insurer to insurer. With that being said, comparing
car insurance
companies before you buy can help you lower the cost of SR-22 insurance. While Liberty Mutual might be a great option for you, it’s important to explore other insurers and their rates to get the best deal on your SR-22.

Does Liberty Mutual offer SR-22 auto insurance?

Absolutely! Liberty Mutual offers SR-22 insurance to high-risk drivers and will even help you
file an SR-22
form for a small fee of $15 to $25. This fee is in addition to your state’s filing fee, which could be anywhere from $25 to $50.
If you’d like to supplement your
liability car insurance
with
collision
and
comprehensive insurance
, you can also do so through Liberty Mutual. This is a good idea for high-risk drivers who own expensive vehicles, as the minimum required insurance is unlikely to cover the cost of damages and repairs to your vehicle.
Keep in mind that if you decide to purchase additional coverage for your SR-22, your insurance will be more expensive. This is especially true if you have a serious driving offense on your record.
Most states will require you to maintain SR-22 coverage for three years, after which you can cancel your SR-22 policy and find a cheaper option.
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What is an SR-22 for car insurance?

SR-22 insurance isn’t a specific type of insurance, but rather a requirement for car insurance issued by the DMV. An SR-22 form confirms that you’ve met your state’s minimum insurance requirements and that you are financially responsible for that insurance coverage.
An SR-22 will often be issued after a serious driving offense, like a
DUI
/DWI conviction, reckless driving charge, or if you have numerous at-fault car accidents on your driving record. However, you may also need an SR-22 if you’re caught driving
without a license
or auto insurance.

Does Liberty Mutual offer non-owner SR-22 insurance?

Yes, Liberty Mutual offers
non-owner car insurance
for SR-22 holders. 
This type of insurance is for drivers who do not own a vehicle, but who still wish to legally drive. 

Does Liberty Mutual have FR-44 insurance?

Most states will require an SR-22 for high-risk drivers, but
Florida
and
Virginia
use something called an
FR-44
for the most serious driving violations. 
If you need to file an FR-44, you’ll have additional coverage requirements. In Florida, for instance, most drivers don’t need to purchase
bodily injury liability
—only
property damage liability
. But for FR-44 insurance policies, drivers must also carry at least $100,000 per person and $300,000 per accident of bodily injury liability coverage. 

How much does an SR-22 from Liberty Mutual cost?

On average, the monthly premiums for Liberty Mutual drivers with an SR-22 will be 133% higher than those for drivers with
clean driving records
.
However, it’s important to keep in mind that major traffic violations like DUIs can raise your car insurance rates significantly—sometimes by 200% or more. Additionally, if you live in a state like
Michigan
with high minimum coverage requirements, you’ll have to pay more for minimum car insurance coverage.

Which insurance company has the cheapest SR-22 coverage?

Buying SR-22 insurance from Liberty Mutual could be a great option for you but, depending on your profile, other auto insurance companies such as
GEICO
,
Progressive
, or
Nationwide
may offer competitive rates. As such, it’s a good idea to shop around and get a few different quotes before settling on one insurance provider.
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