Does USAA Have SR-22 Insurance?

USAA can file an SR-22 for you, and help you find a car insurance policy as a high-risk driver. Here’s what you need to know.
Written by Bonnie Stinson
Reviewed by Shannon Martin
background
Military members looking for a car insurance company that can handline filing their SR-22 form need to look no further than USAA. Though you can expect to pay about 18% more for coverage as a high-risk driver, USAA may still be a good choice since they specialize in car insurance for active duty military, veterans, and their family members.
Your state’s DMV might require you to file an
SR-22
form after receiving a serious moving violation. Before you can get back on the road, you’ll need to file the form and provide the state with proof of car insurance. You can expect to have higher rates for a few years, but that doesn’t mean you should accept the first policy you’re offered. Here’s what you need to know about USAA’s offerings for drivers subject to SR-22 requirements.
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Does USAA offer SR-22 auto insurance?

Yes. USAA can file an SR-22 form for you. The filing fee is approximately $25, depending on your state. 
An SR-22 form is not the same as an insurance policy. It’s a certification of financial responsibility that high-risk drivers must file to get car insurance and legally be allowed to drive. If you are required to file an SR-22, then you need a car insurance policy that meets your
state’s minimum liability insurance requirements
. Optionally, you can add
collision
and
comprehensive insurance
to your
liability coverage
SR-22 filing may be required for up to three years or more, depending on the situation. Once you are no longer obligated to file an SR-22, it is the perfect time to compare premiums with other insurance companies to ensure that you are getting the best possible rate. You can either
cancel USAA car insurance
or you remove the SR-22 and stay with USAA if they still have the best price.  

What is an SR-22 for car insurance?

An SR-22 is a form that demonstrates a driver’s financial responsibility. Filing this form is a requirement for high-risk drivers who have committed an extreme traffic violation—and it’s a prerequisite for getting car insurance.
Here are some common reasons that a driver may need to file an SR-22:
Three years is the average SR-22 filing requirement for traffic violations, but the range is between one and five years.
To file an SR-22, you must find a car insurance company (like USAA) that will file this form on your behalf—not all companies accept high risk drivers or have SR-22 filing capabilities.

Does USAA offer non-owner SR-22 insurance?

Yes. If you don’t have your own car, but you still need to drive, then you can buy
non-owner car insurance
from USAA along with asking USAA to file the SR-22 for you. 
This type of policy can help you save money while still enjoying essential coverage whenever you get behind the wheel of a car. 

Does USAA have FR-44 insurance?

Yes.
FR-44
is similar to SR-22, but it’s a form that is used in
Florida
and
Virginia
for extremely high-risk drivers. USAA can file FR-44 forms as well as SR-22 forms.
Be aware that an FR-44 compels you to carry more than the minimum state level of coverage. With an FR-44, you can expect to pay more for coverage than you might otherwise—and this applies to all car insurance companies, not just USAA. 

How much does an SR-22 from USAA cost?

The SR-22 itself is usually a flat fee (typically around $25) charged annually or every six months, depending on the length of your policy contract.
Since your car insurance premium is calculated based on factors like your age, zip code, gender, driving history, and how much coverage you need, you will pay more for coverage than a similar driver with a
clean driving record
.
The reason you need an SR-22 also matters. For instance, drivers with a DUI conviction can expect to pay a lot more than drivers with a few speeding tickets.

Which insurance company has the cheapest SR-22 coverage?

USAA is a good option for affordable SR-22 coverage, but USAA membership is limited to military families. Even for these drivers, USAA may not offer the best rate. Shop around with other companies like
GEICO
and
Progressive
to find the cheapest premium for your driver profile. 
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