Root SR22 Insurance: Is Root Insurance right for me?
Root requires drivers to install its mobile app and perform test driving for several weeks while the app monitors the driving behavior in the background. The final preimum the driver pays for the car insurance is partly determined by the driving score calculated during the test drive. Root claims to be insuring only good drivers in order to keep premiums lower than other providers.
Root provides car insurance to drivers only in 30 U.S. states:
Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Illinois, Indiana, Iowa, Kentuky, Louisiana, Maryland, Mississippi, Missouri, Montana, Nebraska, Nebraska, Nevada , New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, West Virginia and soon will be operating in following states - Alabama, Alaska, Hawaii, New Hampshire, North Carolina, Washington, Washington DC.
Why do I need SR-22?
Though it is commonly referred as "SR-22 Insurance", SR22 not an insurance. It is simply a document provided by the insurance company such as Roots that proves the driver has the liability coverage on the car insurance policy as mandated by the state's Department of Motor Vehicles (DMV).
If your license is suspended for any moving violations or you are convicted of a more serious driving-related offense then the state's DMV will likely need you to obtain an SR-22 from a licensed auto insurance company in order for you to get your license reinstated.
The SR22 insurance certifies that you have the state-mandated minimum car insurance coverage required to drive or to have your license reinstated after being convicted of one of a few serious driving offenses such as a DUI conviction, an uninsured car crash/auto accident etc.,
Does Root provide SR22?
If you are a Root customer, you can easily get an SR-22 through its app. Though it might take a few days for the state to receive the paperwork, your SR-22 begins on your policy start date, or the day an SR-22 driver is added to your policy.
You can request your SR-22 form directly through the app by choosing right options: Auto Policy >> Document Requests >> SR-22. The app will guide you through the process.
Why choose Root as your SR22 insurance provider?
While traditional car insurance companies rely heavily on demographics like age, ZIP code, occupation, and credit score to decide on the premium you pay for you car insurance, Root Insurance thinks that's not a fair way to decide the rate. It bases insurance rates primarily on your driving behavior.
It has an unique system wherein it asks drivers to install its mobile app and perform test driving for several weeks while the app monitors the driving behavior in the background. The final preimum the driver pays for the car insurance is determined by the driving score calculated during the test drive.
Somone with a good driving history can save hundreds in premium per year.
Root auto insurance coverage options
- Liability coverage
- Bodily Injury
- Property Damage
- Roadside assistance
- Comprehensive insurance
- Rental car coverage
- Uninsured Motorist Property Damage
- Personal injury protection
- Medical payments
- Uninsured/Underinsured Motorist Bodily Injury
Since Root determines its rates based on driving behavior, good drivers could save hundreds on car insurance. Toatl savings can be up to $900 a year.
How can I get an SR-22/FR-44 from Root?
You need to be a Root customer to obtain SR-22 from Root. If you are currently insured with Root, you can easily request for SR-22 through their mobile app. Root will review your existing policy and initiate the process of filing SR-22 with your state DMV on your behalf.
Can I still get SR-22 if I’m not a Root customer?
Even if you are not an active Root customer, you can still buy Root SR-22 insurance. Since Root determines insurance rates primarily based on your driving skills rather than your demographics, you can save hundreds on your auto insurance even with an SR-22 if you have a good driving history.
If you don't have an active policy with Root, you will need to start one by getting a free car insurance quote from Root.
- Your Zip Code
- Manufacturing date
- Model of your car that has to be insured
- Your full name along with the date of birth
- Your address, email address and contact number
- Your SSN or Taxpayer number
How long does it take for Root to file SR22?
You can request for SR22 insurance through Root's mobile app. Though it might take a few days for the state to receive the paperwork, your SR-22 begins on your policy start date, or the day an SR-22 driver is added to your policy.
Does Root offer non owner SR-22 insurance?
Yes. Root offers non owner car insurance for drivers who don't own a car but still need to be insured. Non-owner SR22 insurance provides liability coverage when you don’t own a car and drive someone else’s vehicle. It pays for injuries and property damage caused by you in a car accident.
How much does a Root non owner SR22 Insurance cost?
Root non owner car insurance typically costs less than the premium you'd pay for the same level of coverage on a car you own. However, this cost may differ depending on your driving history, your state, coverage limits, and other factors such as driving infractions on your record.
The costs for non-owners SR-22 vary by your age, gender, ZIP code, and reason for the additional layer of coverage. It’s best to contact Root for more information.
Does Root insure you if you have a DUI?
Yes, you can still get insurance from Root even if you have a DUI or you are a high risk driver. Root will also file SR-22 on your behalf with your state DMV (Department of Motor Vehicles) for a fee.
How much does Root SR22 insurance cost?
Root might charge a small filing fee ranging from $25 - $50 to file SR-22 however this is not the only cost that you will incur. Your insurance premiums will significantly increase the moment you file your SR-22 depending on your age, gender, state of residence and driving record.
The best way to find cheap SR22 insurance is to browse around and get quotes from different providers to compare rates. You can call us at our toll-free number 888-885-3948. One of our executives will help you get FREE SR22 insurance quotes from top insurance companies. You can compare rates and save big!