When you find out you need SR22 car insurance, you might be feeling unsure. While it may sound like a complicated type of insurance policy, an SR22 is actually a state-required form needed by the state in particular circumstances. Let’s clarify what SR22 insurance is, who needs it, how it works, and why partnering with the right insurer is essential.

What Is SR22 Insurance?

Despite the name, SR22 insurance is not a standalone insurance policy. It’s a certificate that your insurer files with the state to verify that you have the mandatory insurance by law. You can think of it as a guarantee from your insurer that you’re insured while driving.

When Is SR22 Required?

You might be required to carry an SR22 if you’ve been involved in various traffic-related offenses, such as:

• DUI or DWI convictions
• Reckless driving
• Driving without insurance
• Excessive traffic offenses
• Driver’s license issues

The SR22 requirement is often included in the reinstatement process for your driver's license after such infractions.

SR22 Time Requirement Explained

The length of time you need to maintain SR22 coverage varies by state, but in most cases, it’s required for three years. It’s essential to keep the policy active during this time. If it gets canceled, your insurer must notify the state, which could cause another license suspension.

How Much Does SR22 Insurance Cost?

The cost of filing an SR22 form is usually affordable—typically between $15 and $50. However, your insurance rates may be higher depending on your driving history and the reason for the SR22. Drivers with violations often face increased premiums, so it’s smart to compare quotes from different companies.

Steps to Obtain SR22

Follow these steps to obtain SR22 insurance:

1. Get in touch with your insurance provider and inform them you need an SR22.
2. Modify or start your auto insurance policy to meet state legal requirements.
3. Your insurer will submit the certificate with the state.
4. You’ll receive proof once the state has accepted the filing.

Some companies don’t provide SR22 filings, so it’s crucial to work with one that specializes in the process.

Finding a Trusted SR22 Insurance Company

Not all insurance companies offer SR22 filings, so it’s best to go with a provider that knows the process. They’ll help you stay compliant, maintain your coverage, and lower your insurance burden even with a problematic driving history.

If you're looking for a reliable SR22 insurance provider in Fort Lauderdale, here’s a highly recommended option:

Name: SR22 Direct of Fort Lauderdale
Address: 3511 W Commercial Blvd, Fort Lauderdale, FL 33309
Phone: (954) 947-0494
Website: https://sr22direct.com/locations/fort-lauderdale-sr22-insurance/
SR22 Direct of Fort Lauderdale provides fast, affordable, and reliable SR22 filings for drivers sr22 insurance who need to comply with DMV orders. Let their experienced team support you every step of the way.