State Farm SR22 Insurance: Is State Farm right for me?
If you have been convicted of multiple traffic offenses, DUI/DWI or other serious moving violations, the DMV(Department of Motor Vehicles) in your state may require you to obtain what is known as SR-22 - Certificate of Financial Responsibility. SR-22 is simply a document that verifies that you have the minimum coverage on your vehicle insurance as required by the state to drive on the road.
The state will notify you by mail when you are required to file SR-22. The terms and requirements vary by state, in most cases you are required to retain the SR-22 for approximately three years. You can’t file SR-22 yourselves. You need to contact your insurance company who will file the SR-22 with your state on your behalf. If or when your policy lapses, the insurance company is required by law to notify the state. Your license will be suspended until you obtain the required vehicle insurance coverage.
Due to the seriousness of traffic violations, you may be termed as a high risk driver, requiring special high risk auto insurance. SR22 rates vary from state to state and company to company and will usually be expensive if you fall into the high-risk driver category. An auto insurance with an SR22 will increase your auto insurance premium upto 60% if you are a high risk driver.
If you need SR22 insurance, the smart way to get one is to browse around and get SR22 insurance quotes from various providers and pick the one with the best discount.
You can get an SR-22 certificate, as well as get your SR22 insurance filed through your local insurance provider however you must note that some companies such as State Farm offer better rates and discounts than others when it comes to DUI insurance. If you live in Florida or Virginia, you will probably need to request an FR-44, instead of an SR-22.
Below table provides indicative rate of State Farm Auto Insurance with SR22 in various states:
|State||Annual average premium||Annual average premium with SR-22 and DUI||Percent increase|
Does State Farm provide SR-22 Insurance?
Yes, State Farm provides insurance for high risk drivers as well as files SR-22 with the state DMV on their behalf for a fee.
Why Choose State Farm as your SR22 insurance provider?
Overview of State Farm ratings:
- Reviews on WalletHub: 3.4/5
- J.D. Power: 4.2/5
- BBB: A+
State farm offers SR22 auto insurance that is cheap while also offering their customers extensive discounts.
Here are the top discounts offered by State Farm.
- Multi-policy discount
- Multi-vehicle discount
- Good student discount
- Good driving discount
- Accident-free discount
State Farm also provides high-risk car insurance for consumers who have SR-22 forms. State Farm Auto Insurance has one of the broadest coverage options in the industry, in each state and Washington, D.C. Even if a consumer is a high-risk insurance proposition.
State Farm can find insurance policies that can adequately meet your insurance needs. In addition, the company also offers coverage, for drivers who drive for rideshare companies.
How can I get an SR-22/FR-44 from State Farm?
You need to be a State Farm customer to obtain SR-22 from State Farm. If you are currently insured with State Farm, contact your insurance agent. Your insurance agent will review your existing policy and initiate the process of filing SR-22 with your state DMV on your behalf.
If you don't have an active policy with State Farm, you will need to start one by getting a free car insurance quote from State Farm.
Does State Farm offer non owner SR-22 Insurance?
Yes. State Farm offers non owner car insurance for drivers who don't own a car but still need to be insured. 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 call and speak with an agent for more information.
Does State Farm insure you if you have a DUI?
Yes, you can still get insurance from State Farm even if you have a DUI or you are a high risk driver. State Farm will also file SR-22 on your behalf with your state DMV(Department of Motor Vehicles) for a fee.
How much does State Farm SR22 insurance cost?
State Farm charges a filing fee of $15 - $25 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.
How much does State Farm SR22 raise your auto insurance rates?
StateFarm offers auto insurance with SR22 at an average rate of $1,889, which is a 59% increase from auto insurance rates without an SR22 or DUI.
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!