, which will protect your vehicle in the event of an accident. If you have an existing SafeAuto policy, you can even get full coverage protection with an SR-22.

After you file your SR-22, most states will require you to maintain this coverage for three years. Once those three years are up, you can cancel your SafeAuto SR-22 policy and look for cheaper coverage options.

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High-risk car insurance: Everything you need to know

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What is an SR-22 for car insurance?

SR-22 insurance isn’t a specific type of insurance, but rather a confirmation of financial responsibility issued by the DMV. This form is used to show that you’ve met

your state’s minimum insurance requirements

and that you will continue to meet your state’s insurance requirements in the future.

In most cases, an SR-22 will be issued to high-risk drivers after a serious driving offense, like a

DUI/DWI conviction

or a reckless driving charge, or to those who have a lot of at-fault car accidents on their driving record. However, this form may also be required if you’re pulled over while driving without a license or insurance.

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What is a high-risk driver?

Does SafeAuto offer non-owner SR-22 insurance?

Absolutely! SafeAuto offers

non-owner car insurance

for SR-22 filers, which is helpful if you want to drive legally but don’t own a vehicle. If you’re required to file an SR-22 but don’t have a vehicle to insure, this type of policy is for you.

Does SafeAuto have FR-44 insurance?

Florida

and

Virginia

are a little different from other states when it comes to high-risk drivers. These two states use something called

an FR-44

for the most serious driving violations. You can get this type of coverage through SafeAuto, just like you can get SR-22 coverage, but the FR-44 comes with additional requirements.

In Florida, for instance, most drivers don’t need to purchase

bodily injury liability insurance

, as only

property damage liability

is required by state law. Floridian FR-44 insurance policies, however, require drivers to carry at least $100,000 per person and $300,000 per accident of bodily injury liability coverage.

Safe Auto does offer FR-44 full coverage options, but only for existing policyholders. That means that you can’t open a new SafeAuto policy just to get FR-44 insurance.

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How much is car insurance for high-risk drivers in Florida?

How much does an SR-22 from SafeAuto cost?

SafeAuto SR-22 insurance costs the average driver $2,647 per year, which is about $500 more expensive than the average SR-22 insurance rate of $2,150 per year—and certainly a lot more than they charge drivers with

clean records

Additionally, major traffic violations like DUIs can

raise your car insurance rates significantly

, often by 200% or more. If you live in a state like

Michigan

, where state minimum coverage requirements are high, you’ll also pay a lot more for insurance coverage.

Since there are so many factors at play, the best way to learn how much your SafeAuto SR-22 insurance will cost is to get a quote.

Which insurance company has the cheapest SR-22 coverage?

While SafeAuto is definitely a good option for SR-22 coverage, it’s still a good idea to shop around for the best rates before you settle on one provider. Depending on your driver profile, insurance companies such as

GEICO

Progressive

, or

Nationwide

may offer competitive rates.

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