Does Root Insurance Have SR-22 Insurance?
Root Insurance offers competitive rates for SR-22 drivers. Learn more here.
Written by Katherine Duffy
Reviewed by Kathleen Flear
Root Insurance provides high-risk drivers who need to file an SR-22 with affordable coverage rates based on their current driving habits.
Your insurance premium will almost always rise if you’ve committed a traffic violation that requires you to file an SR-22 form. However, you can mitigate these rising costs by comparing rates and coverage from different
car insurance
companies before making a final decision. Here’s a closer look at Root Insurance’s policy offerings for drivers with SR-22 requirements. Compare insurance quotes from 50+ insurance companies with Jerry in under 45 seconds
Compare insurance quotes from 50+ insurance companies with Jerry in under 45 seconds
4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversDoes Root Insurance offer SR-22 auto insurance?
Fortunately, Root Insurance provides high-risk drivers who need to
file an SR-22 form
with insurance, and they’ll even file the form with your state’s DMV office on your behalf. While Root doesn’t state their filing fee on their websites, drivers can expect to pay between $15 and $25 to have Root Insurance file their SR-22. Your Root Insurance SR-22 coverage will always include your state’s
minimum liability insurance requirements
but could also include further coverage required by the DMV based on your driving record. You can still purchase additional coverage even if your DMV doesn’t require it. For example, if you own an expensive vehicle, you can add
collision
and comprehensive coverage
to your policy in addition to the mandatory liability coverage
. It’s standard in most states to file an SR-22 with your state’s DMV for at least three years. Once this time has passed, you’ll be able to cancel your Root insurance and shop elsewhere or continue with your Root policy for a less expensive rate.
What is an SR-22 for car insurance?
It’s easy to think of an SR-22 as a type of car insurance because this form directly impacts your insurance policy, but it’s actually not a type of insurance at all. In reality, an SR-22 form simply provides proof of financial responsibility to your state’s DMV confirming that you’re carrying the minimum required coverage.
SR-22s are required by a court or by state government in response to certain driving violations, including
DUIs
, driving without insurance
, committing multiple traffic violations in a short period of time, or driving without a license
. Does Root Insurance offer non-owner SR-22 insurance?
They do! Drivers who don’t own a car but need an SR-22 to avoid losing their driving privileges can get
non-owner car insurance
from Root Insurance to stay on the roads. Non-owner coverage typically costs less than the same coverage for car owners, but this can change depending on the reason for your SR-22 as well as typical insurance rate determiners like your age and credit score.
Does Root Insurance have FR-44 insurance?
FR-44 forms usually mean you’ll need to meet more coverage requirements. For example, in Florida, drivers with FR-44 filings need to purchase
bodily injury liability insurance
on top of the minimum insurance coverage required in that state, which is property damage liability
. More specifically, FR-44 policies have to include at least $100,000 per person and $300,000 per accident of bodily injury liability coverage.
How much does an SR-22 from Root Insurance cost?
Root Insurance primarily uses your driving history and current habits rather than demographics to set your insurance premium, which is a unique approach. Drivers who join Root Insurance undergo a “test drive” period for three weeks, during which period the company tracks your driving habits through an app to calculate your premium. This means it’s possible to save hundreds of dollars with Root Insurance by maintaining safe driving habits.
Unfortunately, this highly-personalized approach means that it’s pretty tough to nail down exactly what SR-22 insurance costs with Root Insurance. That being said, Root’s average per-month cost for drivers with a
clean record
is just $56—half of what it costs to insure your car with major competitors. Major traffic violations like a DUI can
raise your insurance rate significantly
. Additionally, if you live in a state that has hefty minimum coverage requirements, you’ll automatically pay more than a driver who lives somewhere with low minimum requirements. Which insurance company has the cheapest SR-22 coverage?
Root Insurance appears to be an incredibly affordable option—even for drivers with traffic violations—but SR-22 policies are always more expensive, making quote comparisons a key part of what insurance policy you choose.
Consider other car insurance companies like
GEICO
, Progressive
, or Nationwide
before making a firm choice with Root Insurance. “I saw an ad forJerryon Instagram and decided to give it a try. I have a terrible driving record, but Nathan still helped me. Before, almost no one wanted to insure me. Now, I have a great policy and save $200/month. I’m one happy gal!” —Terri C.
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