Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Written by Rachael Brennan
Licensed Agent for 15 Years Rachael Brennan

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Jun 21, 2022

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Key takeaways...

  • SR-22 insurance is required for high-risk drivers whose license has been suspended
  • SR-22 drivers are considered high risk because of past problems like driving under the influence of alcohol
  • Every state has its own required amount of insurance coverage

Obtaining SR-22 car insurance can be difficult, but we make the job much easier. SR-22 insurance is required for high-risk drivers in order to have their suspended or revoked driver’s license reinstated.

Our comparison tool allows drivers to search specifically for SR-22 car insurance quotes. Many companies offer such car insurance although the policies will differ from their standard packages.

SR-22 drivers are considered high risk because of past problems like driving under the influence of alcohol.

Insurance companies take the risk posed by a customer into account when determining premiums and coverage.

Need SR-22 insurance coverage? Enter your zip code above and compare car insurance quotes for FREE!

What is SR-22 insurance?

Because drivers with an SR-22 have such bad driving records, car insurance companies have a different set of rates that apply to these drivers.

When you search for insurance quotes on a comparison site, you must make sure that you search specifically for SR-22 car insurance quotes.

State law will require that each driver has a certain amount of liability insurance that protects other drivers and passengers in case of an accident.

There may also be state minimum car insurance requirements.

If you have an SR-22 certificate, your premiums will depend on the exact nature of your driving record.

However, if you have a lot of accidents on your driving record and a history of reckless driving, then you may need to pay very high premiums.

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Shopping for SR22 Car Insurance Quotes

Although it takes a little more effort to obtain SR-22 insurance, there are still many companies looking to insure high-risk drivers.

So, it really pays to shop around for and to compare different SR-22 car insurance quotes.

Basically what you should look for when comparing quotes are:

  • Coverage – Check to see exactly what is covered by the insurance plan
  • Coverage Amount – For each type of coverage, there is a maximum amount that the company will pay in case of a claim
  • Exceptions – For each type of coverage, there may be exceptions to the coverage especially for SR-22 drivers
  • Requirements – Some policies may involve certain requirements like minimum or the maximum age in order to qualify for coverage

Types and Amount of Coverage

Liability is the basic type of coverage that protects you in case you are at fault in an auto accident.

A very basic insurance policy will only include the types of coverage required by state law.

Other types of car insurance coverage available can include:

  • Physical Damage – With this type of coverage, the insurance company will pay all or part of the costs to repair or replace your car in case of an accident
  • Medical Coverage – Pays for all or part of the medical bills of insured drivers and their passengers
  • Special Coverage – Coverage can include roadside assistance, windshield replacement, loss wages and free car rental while waiting for repairs or a replacement auto
  • Comprehensive Coverage – Provides all basic types of coverage

For each type of coverage, there is also a specific maximum dollar amount that will be paid in case of a claim.

For example, if you have $10,000 in physical damage coverage, the insurance company will not pay more than that amount in case you have an accident.

If your car repairs from the accident total $15,000, you would have to pay the other $5,000 on your own.

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Exceptions to Coverage

Another important factor in comparing SR22 car insurance quotes are the exceptions included in each quote. For each type of coverage, there can be specific state car insurance exceptions to that coverage.

For example, if you have physical damage coverage and you are driving under the influence, your policy may not cover your car repairs.

If your policy has coverage against theft, you will need to check if there are any exceptions to the coverage in case you forget to lock your doors.

Many insured drivers only realize that something is not covered when they actually file an insurance claim.

This usually happens because they fail to carefully read over the exceptions that apply to each type of coverage.

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Reputation of the Insurance Company

When you are comparing SR22 car insurance quotes, you must also carefully consider the reputation of the company and the quality of service that they provide.

If you are considering insurance from a less well-known company, you will need to do more research.

Check to see how long the company has been in business and see whether it has branched off from another existing insurance company.

Ask people you know whether they have any experience doing business with the companies that you are considering.

Did the company give them any problems when it came time to make a claim? How do they treat their customers?

In addition, you can research companies on major search engines like Google, Yahoo, and Bing.

Comparison websites often offer reviews and ratings for insurance companies that may be generated by the sites themselves or by site users.

Look for forums, blogs and other websites that may provide consumer information and discussion on insurance companies.

Members at such discussion websites are usually willing to offer free advice based on their own experience with car insurance companies.

Ask Questions

If you have any questions about what is offered in SR22 car insurance quotes, do not hesitate to contact the company for more information on car insurance laws. They should be willing to provide all the answers you need.

If they are unwilling to clarify any matter, then it is probably a good idea to take your business elsewhere.

Speaking with the company’s representatives might also provide a clue as to the customer service that you can expect. Save money today on SR22 car insurance!

Enter your zip code below and compare auto insurance quotes for FREE!


  1. https://www.safeauto.com/info-center/sr22-insurance
  2. https://www.progressivecommercial.com/coverages/liability/
  3. https://www.thebalance.com/understanding-minimum-car-insurance-requirements-2645473
  4. https://www.esurance.com/info/car/medical-payments-coverage
  5. https://autoclubsouth.aaa.com/automotive/roadside-assistance.aspx
  6. https://en.wikipedia.org/wiki/Driving_under_the_influence