Does SafeAuto Have SR-22 Insurance?

SR-22 insurance through SafeAuto is expensive, and full-coverage options are only available to existing policyholders.
Written by Liz Jenson
Reviewed by Amy Bobinger
SafeAuto offers
coverage for high-risk drivers, but this type of insurance is more expensive if you choose SafeAuto.
Depending on your driving profile, though, SafeAuto could very well be the right insurer for you. That’s why comparing
car insurance
companies before you buy can help you lower the cost of SR-22 insurance, even if you think you’ve already found the cheapest provider.

Does SafeAuto offer SR-22 auto insurance?

Yes, SafeAuto does offer SR-22 auto insurance. If you get insurance with SafeAuto the company will help you
file your SR-22 form
to prove that you have adequate insurance coverage for your state.
If you have an exceptionally expensive vehicle or if you just want more protection, SafeAuto will also offer options to supplement your
liability coverage
comprehensive insurance
, which will protect your vehicle in the event of an accident. If you have an existing SafeAuto policy, you can even get full coverage protection with an SR-22.
After you file your SR-22, most states will require you to maintain this coverage for three years. Once those three years are up, you can cancel your SafeAuto SR-22 policy and look for cheaper coverage options.
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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 confirmation of financial responsibility issued by the DMV. This form is used to show that you’ve met
your state’s minimum insurance requirements
and that you will continue to meet your state’s insurance requirements in the future.
In most cases, an SR-22 will be issued to high-risk drivers after a serious driving offense, like a
DUI/DWI conviction
or a reckless driving charge, or to those who have a lot of at-fault car accidents on their driving record. However, this form may also be required if you’re pulled over while driving without a license or insurance. 

Does SafeAuto offer non-owner SR-22 insurance?

Absolutely! SafeAuto offers
non-owner car insurance
for SR-22 filers, which is helpful if you want to drive legally but don’t own a vehicle. If you’re required to file an SR-22 but don’t have a vehicle to insure, this type of policy is for you.

Does SafeAuto have FR-44 insurance?

are a little different from other states when it comes to high-risk drivers. These two states use something called
an FR-44
for the most serious driving violations. You can get this type of coverage through SafeAuto, just like you can get SR-22 coverage, but the FR-44 comes with additional requirements.
In Florida, for instance, most drivers don’t need to purchase
bodily injury liability insurance
, as only
property damage liability
is required by state law. Floridian FR-44 insurance policies, however, require drivers to carry at least $100,000 per person and $300,000 per accident of bodily injury liability coverage. 
Safe Auto does offer FR-44 full coverage options, but only for existing policyholders. That means that you can’t open a new SafeAuto policy just to get FR-44 insurance.

How much does an SR-22 from SafeAuto cost?

SafeAuto SR-22 insurance costs the average driver $2,647 per year, which is about $500 more expensive than the average SR-22 insurance rate of $2,150 per year—and certainly a lot more than they charge drivers with
clean records
Additionally, major traffic violations like DUIs can
raise your car insurance rates significantly
, often by 200% or more. If you live in a state like
, where state minimum coverage requirements are high, you’ll also pay a lot more for insurance coverage.
Since there are so many factors at play, the best way to learn how much your SafeAuto SR-22 insurance will cost is to get a quote.

Which insurance company has the cheapest SR-22 coverage?

While SafeAuto is definitely a good option for SR-22 coverage, it’s still a good idea to shop around for the best rates before you settle on one provider. Depending on your driver profile, insurance companies such as
, or
may offer competitive rates.
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