Jessica Sautter is a Content Writer for with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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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

UPDATED: Oct 9, 2020

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Key takeaways...

  • Drivers cannot receive the SR-22 from just any auto insurance company
  • Each state requires that drivers purchase bodily injury liability as well as property damage liability coverage
  • Not every car insurance company offers high-risk drivers coverage

The SR-22 is a form that car insurance companies have to present to the court or the state that proves to these entities that a driver in question has liability insurance.

The court or the state will ask for this form in the event that a driver has either been in an accident or was stopped by law enforcement for a moving violation without providing proof that he/she had liability insurance.

Make sure you are saving the most money possible on your SR-22 by comparing car insurance companies online for FREE.

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SR-22 Car Insurance

Drivers cannot receive the SR-22 from just any auto insurance company.

The auto insurance companies that can file the form SR-22 have been authorized to do so by the state.

This fact makes it difficult for drivers who need an SR-22 form to purchase the auto insurance liability coverage they so desperately need.

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State Minimum Insurance Requirements

Each state requires that drivers purchase bodily injury liability as well as property damage liability coverage. The state’s minimum insurance requirements are represented by three numbers.

The first number denotes the amount of bodily injury liability coverage is required for at least one person injured in an accident.

The second number designates the amount of bodily injury liability coverage needed.

The third number indicates property damage liability, and it is the amount needed to repair any property damage caused in the accident.

If the first number is $15,000, the second would be $30,000 and the third maybe $15,000. These numbers are always written in this manner: 15/30/15.

What Liability Insurance Covers

Liability insurance covers the medical bills and the property damage of the people who have been hit, not the policyholder.

A driver that has been determined to be the one who caused the accident will be charged with paying all of the medical expenses for all of the people who were hurt.

If the driver did not have liability insurance, everyone injured in the accident could sue that driver.

Property damage can also be a part of the lawsuit, and the driver could end up owing a huge sum of money.

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How The Driving Record Affects Car Insurance

Car insurance companies do thorough research on their potential clients. One thing they will be sure to look into is the driving record of each person.

Those who have too many points on their driving records will frequently be denied a liability policy.

Points are added to a driving record after certain events have occurred while driving:

  • Speeding tickets
  • Accidents that the driver has caused
  • Reckless driving
  • Making illegal turns
  • Continuing to drive after one’s license has been suspended or revoked
  • Hit and run accidents
  • Driving under the influence of drugs or alcohol

The more points that drivers accumulate, the more people think of them as dangerous drivers, and auto insurance companies consider them to be a high risk.

Not every insurance company offers high-risk auto insurance policies to their clients, so drivers with several points on their records frequently are turned down for liability insurance.

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Comparing Car Insurance Quotes

The best thing that people who are hard to insure can do is compare car insurance quotes.

Several auto insurance companies have an online presence, and they are more than willing to give their prospective clients a quick quote without obligating anyone to purchase the insurance.

Because auto insurance companies use several different factors to decide whether or not to write someone a policy, they will need to ask several questions of the driver.

They will want to know such things as:

  • Age
  • Gender
  • Address
  • Zip code
  • How the vehicle is used.

The fact that a driver lives in an area where vehicles are not usually stolen in large numbers, may give an insurance company reason to offer this particular troubled driver a better rate.

Different insurance companies use different criteria to approve drivers for insurance policies.

For the same exact coverage, one insurance company may charge a much higher price, but another insurance company may quote the same person a price that is incredibly low.

For this reason alone, drivers need to do a comparison when shopping for car insurance.

People obligated to seek an SR-22 cannot seek one from just any auto insurance company as was stated above, but they can meet this obligation with an online comparison quote.

Online insurance companies exist that have included SR-22 filings as part of the services that they offer to their clients.

When performing an online search, the companies that are capable of filing the SR-22 will have the question on their online forms that ask if the SR-22 will be needed.

Drivers who need an SR-22 are considered to be hard to insure. This either means that insurance companies will deny the driver a policy or charge extremely high rates.

These drivers cannot expect to receive the lowest quotes when they do a comparison search, but it is definitely worth the effort.

The only way to find the lowest auto insurance rates for an SR-22 filing is to compare quotes. Compare car insurance quotes for FREE! Enter your zip code below to get started!