How Does SR22 Insurance Work in Indiana?

When you need to get SR22 insurance, your top priority is getting your license and normal lifestyle back. You can achieve this faster and with less stress by learning more about what SR22 insurance is and what the requirements are for your situation. For anyone needing to know how SR22 insurance works in Indiana, here’s a rundown.

Why Would You Need an SR22?

There are numerous reasons why an individual may require SR22 insurance. The specific rules vary depending on where you live, but for the most part, you might have to get SR22 insurance for:

• Conviction of a DUI or OWI
• Driving without auto insurance
• Multiple car accidents, especially when uninsured
• Committing multiple traffic violations in a certain amount of time

Basically, the state requires you to have SR22 insurance after serious driving incidents. It technically isn’t insurance, but a form the state uses to guarantee that risky drivers will keep up with their auto insurance.

How Does SR22 Insurance Work in Indiana?

The specific requirements for SR22 insurance vary from state to state. In Indiana, filing and obtaining an SR22 certificate is necessary to get your license back after a DUI or OWI. The SR22 form serves as a verification that you have met the minimum liability insurance requirements for the state of Indiana. These requirements are also what determines the cost of your SR22 insurance. There is a $25,000 minimum liability cost for injury to one person, $50,000 for injury to two people, and $10,000 for property damage. If you don’t keep up with your SR22 insurance, it becomes invalid and the state suspends your license.

Finding the Right SR22 Insurance

The first step of obtaining your SR22 certificate and getting back on the road is finding the right insurance policy and company for your situation. If you’re filing for an SR22 in Indiana, we at Serenity Group can help you find a plan that works for you. With the right people at your back, you can navigate the process and return to your normal life as soon as possible.

SR22 Insurance: A Closer Look at Individual State Requirements

Figuring out SR22 insurance can seem like a daunting task. With so much information to process and so many details that vary state to state, it can be easy to feel overwhelmed by the situation. We’re here to help. With this closer look at individual state requirements for SR22 insurance, you can get the information you need to move forward with the process and with your life.

What is SR22 Insurance?

SR22 insurance isn’t something that makes its way into the average conversation. If you find yourself in need of an SR22, your first step might be figuring out what that means and what you’re supposed to do next. In every state, an SR22 is a certificate of financial responsibility that proves you’re meeting and maintaining your minimum liability requirements after a traffic violation or accident. A court or your state can order an SR22 after you’re convicted of a DUI, driving without insurance, or multiple traffic violations within a period of time. If you don’t keep up with your insurance requirements, your license will be suspended.

Which States Don’t Require SR22 Insurance?

Some states don’t require the filing of any certificate of financial responsibility. You won’t need an SR22 if you live in:

• Delaware
• Kentucky
• New Mexico
• New York
• North Carolina
• Oklahoma

If you’re issued an SR22 in one of these states and later move to a state that does have SR22 requirements, you still won’t be required to have SR22 insurance.

Variations and Add-Ons

Some states require other certificates of financial responsibility on top of or instead of SR22 insurance. In Florida and Virginia, for instance, you may have to file an FR44 certificate. While these states may still SR22 insurance for various types of traffic violations, FR44 insurance specifically covers DUIs and DWIs. Because of the potentially destructive nature of drunk driving, an FR44 requires your insurance plan to have a higher liability minimum. In Virginia, an FR44 doubles the minimum liability requirements, making the coverage limits $50,000 for bodily injury of one person, $100,000 for injury of two or more people, and $40,000 for property damage. In Florida, those coverage limits are $100,000 for injury of one person, $300,000 for injury of two or more people, and $50,000 for property damage.

Arkansas and Indiana also have variations on their SR22 insurance requirements. Arkansas requires an SR21 for you to reinstate your license after an accident with damages exceeding a certain cost. It proves that you had insurance at the time of the accident—as opposed to the SR22 certificate, which proves that you’re maintaining your insurance after the violation. Indiana has a similar policy with its SR50 insurance, which verifies the beginning and ending dates of your insurance policy at the time of the accident or violation. The difference is that the SR50 is specifically for reinstating your license after a DUI.

How Much Does SR22 Insurance Cost?

Generally speaking, you will probably be spending between $300 and $800 on SR22 insurance, but the cost varies depending on the state you live in and the incident that occurred. Each state’s SR22 insurance minimum is based on their liability requirements. These will vary, but most states tend to have coverage requirements of around $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more people, and $15,000 for property damage. While these amounts are the average, however, they can be anywhere from $10,000 to $100,000 depending on the state you live in and the type of violation you committed. That’s why it’s always a good idea to take a look at your insurance company and state requirements.

How Long Will I Have to Maintain My SR22?

The length of time you’ll have to keep your SR22 certificate varies on a case-by-case basis. Most states require around three years, but some states require as few as two years or as many as five. Many states also ask you to file for a new certificate every six months. The length of your SR22 insurance may also depend on the type of conviction you received. Be sure to read up on your state’s guidelines so that you have the right information for your situation.

What Happens if I Move out of State?

If you move to a different state in the middle of your SR22 insurance requirements, things might start to seem a little complicated. This doesn’t have to be an overwhelming situation, however. Keep yourself informed by doing a little research on each state’s SR22 insurance policies and how they differ. This way, you won’t be surprised by any policy or requirement changes. Take a look at your auto insurance provider to see if they serve the state you’re moving to so that you can update your coverage accordingly.

Even if you move to a state that doesn’t require a certificate of financial responsibility, you’ll still need to maintain the SR22 insurance you have in your old state. For example, say you’re issued an SR22 in the state of New Jersey and you move to New York, which doesn’t have SR22 insurance requirements. You’ll need to get auto insurance for New York, but you’ll still need to complete your SR22 requirements for New Jersey. If you don’t keep up with your SR22 insurance, you may face other penalties, such as having your license suspended or even losing your license altogether.

Where to Learn More

Because SR22 insurance requirements vary so much from case to case, it’s always a good idea to learn more about the specific circumstances you’ll face. You can go to your state’s website to find out more about the requirements. Your local DMV will also have information to help you meet the requirements necessary to regain your license and get back on the road. Also be sure to look through your auto insurance provider’s website to learn about their policies and rates.

This may feel like a lot of information to process, but we can help you navigate your SR22 insurance so that you get the right plan for your situation. Once you learn everything you need to know about your SR22 car insurance, you’ll be that much closer to getting back to normal.

Tips for Filling Out and Filing SR22 Insurance

If you have to file for SR22 insurance, you’re probably facing a lot of different information. It can be difficult to make sense of what your requirements are and what you have to do. Once you know what’s going on, however, the process gets infinitely easier. We break it down with these tips for filling out and filing SR22 insurance.

What Is SR22 Insurance, and Why Would You Need It?

Technically speaking, SR22 insurance isn’t actually an insurance policy. It is merely a certificate proving that you meet the minimum insurance coverage in your state. You may need to get an SR22 certificate for numerous reasons, including:

• Driving while drunk or intoxicated
• Driving without auto insurance
• Getting multiple tickets or traffic violations in a certain amount of time
• Causing a car accident

Essentially, an SR22 certificate is the state’s way of guaranteeing you meet their minimum liability requirements after proving yourself to be a high-risk driver. After one of these incidents, you will likely need to file for SR22 insurance to reinstate your license and get back on the road. You will also need to keep up with your state’s SR22 insurance requirements throughout the entire mandated period.

Know What Forms You Need

There are different types of SR22 insurance, and different add-ons you might have to file alongside your SR22, depending on your state. We’ll start with the SR22 itself, which has three types: operator or non-owner, owner, and operator/owner. An operator or non-owner policy protects a driver who borrows or rents a car, rather than the specific vehicle itself. This policy might be cheaper than the others, but it also means you can’t own a car for the duration of the policy. An owner policy provides coverage for drivers who exclusively drive a car that they own. The operator/owner policy covers drivers who do a combination of renting a car and driving their own.

Some states have different types of certificates of financial responsibility that you may have to file instead of or along with an SR22. For example, Florida and Virginia require an FR44 certificate to reinstate your license after a DUI or DWI. An FR44 form is specific to drunk or intoxicated driving, which means you will have a higher liability insurance minimum. Other states have different forms that serve as proof of insurance at the time of the accident or traffic violation. For example, the SR21 certificate in Arkansas or the SR50 certificate in Indiana. These are different from the SR22, which is proof of insurance after the incident.

Find Out How Long You’ll Need It

Once again, the specifics of your SR22 insurance—including the minimum length you’ll have to maintain it—are based on your state’s requirements. While most states have a minimum filing period of about three years, the range can be anywhere from one to five years. It’s vital to maintain your SR22 insurance during this time and not to let it lapse. As soon as you cancel your coverage or it expires, your insurance provider, by law, has to inform the state and the Department of Motor Vehicles. If this happens, they’ll send an SR26 form to the state to cancel the SR22 insurance, which can result in fines, losing your license, or other consequences.

If you change insurance providers or move to another state, you will still need to keep up with your SR22 insurance requirements. This goes for those who move somewhere that doesn’t require an SR22 certificate as well. If you move, you must maintain the requirements of the state where you originally obtained the SR22. Make sure your new insurance policy still meets the minimum liability requirements of your state. Failure to keep up with these requirements will count as a lapse in your SR22 insurance. This means it will take even longer to complete your SR22 and get back to normal life.

Know the Cost

One of the biggest questions people have when filing for SR22 insurance is, how much is it going to cost? The form itself isn’t that expensive and usually costs around $25 to file. However, most of the cost is going to come from your insurance policy. When you file for an SR22 with your insurance company, the cost will depend on the minimum liability requirements in your state. For example, the SR22 in Indiana has the following insurance minimums:

• $25,000 for bodily injury to one person
• $50,000 for bodily injury to two or more people
• $10,000 for property damage

These prices are pretty standard for most states, but rates can range anywhere from $10,000 to $100,000. As such, it’s important to do some research on your specific situation and requirements.

Unfortunately, these costs aren’t always easy to meet. If you find yourself in a position where you need to save money on SR22 insurance, there are a few things you can do. Go through your current auto insurance provider to get a quote. It’s also a good idea to go through a company such as Serenity Group, which specializes in SR22 and can find you the most affordable rate for your situation.

When Purchasing

The most important step of shopping for SR22 insurance is finding the right provider and policy. This is because your auto insurance company files your SR22 certificate. Some insurance companies don’t even offer SR22 insurance policies. Others do, but they drastically increase your rates due to accidents, traffic violations, and other incidents in your driving history. This is why it’s important to look around and get a few quotes from different providers. Knowing how your SR22 will impact your insurance coverage and rates will keep you from facing unexpected costs further down the road.

Once you’ve taken on a plan with SR22 coverage, it can still take over 30 days for personnel to file, process, and send the SR22 certificate to you. The SR22 is not complete until the state or DMV files it. Once you receive it and are back on the road, it’s a good idea to keep a copy of the certificate with you or in your car at all times.

Overall, the most important tip for filling out and filing SR22 insurance is to stay informed. When you have all the necessary information, the entire process becomes more manageable. And you become that much closer to getting your freedom and mobility back.

Why Is SR22 Insurance Required?

Most people don’t know what an SR22 form is until they need one, so obtaining it can be pretty intimidating. Make the process as stress-free as possible by learning more about why SR22 insurance is required, what it is, and how you can get help finding the right insurance policy for your situation.

What Is SR22 Insurance?

A state or court can mandate an SR22 certificate if you’ve caused a serious accident or had multiple traffic violations. Essentially, it’s a way for your insurance company to guarantee that you have auto insurance. This lets your state know you’ll be financially responsible for any future accidents or violations. Most states require SR22 forms in order to reinstate licenses or to prevent them from being suspended in the first place.

Why Is It Required?

SR22 insurance may be required for a few possible reasons, including:

• Conviction of a DUI or DWI
• Multiple traffic violations or tickets in a set period of time
• Driving without insurance
• Causing an accident without insurance coverage

Remember, even if you don’t own a vehicle, your DMV may still require an SR22 in order to reinstate your license after suspension.

How Long Is It Required?

The amount of time you’ll need an SR22 form varies depending on the state you live in and the offense that occurred. Terms usually range from two to five years, and maintaining your auto insurance during this time is vital. If your policy lapses, your insurance company will notify the DMV, and your license will be suspended. When you meet the required length of time, make sure your insurance company knows you no longer need it.

How Much Will It Cost?

Each insurance company and policy is different, and not all insurers offer SR22 certificates. It’s a good idea to shop around when you’re looking for SR22 insurance. The document itself isn’t expensive to file, but your insurance rates could go up because of the accident or violation that got you here.

If you need additional help with obtaining an SR22, you can turn to Serenity Insurance to learn more about insurance companies that offer SR22 insurance and to get the policy that’s right for you.

How Does SR22 Insurance Work in Washington?

Many people never know what SR22 insurance is until they need it. Once you start looking, there’s a lot of information and changing details that can make the process seem nearly impossible. Don’t worry—it isn’t. Once you find the information you need, the process becomes much simpler. For those wondering how SR22 insurance works in Washington, check out this guide.

Who Needs SR22 Insurance?

There are many reasons why you may require SR22 insurance. Generally speaking, this is needed after a conviction for an accident or traffic violation. Though it varies case by case, you might need SR22 insurance due to:

• Receiving multiple tickets or traffic violations in a short amount of time
• DUIs or DWIs
• Driving without insurance coverage
• Causing multiple or serious accidents

If you need to get an SR22 after one of these incidents, it means the state requires proof that you can maintain your insurance and the minimum liability requirements for the state. An SR22 certificate is often required to reinstate your license after suspension.

How Does SR22 Insurance Work in Washington?

Since SR22 insurance requirements differ between every state, it’s important to look at the specific policies where you live. In the state of Washington, SR22 insurance is required to reinstate your license after a DUI. Obtaining an SR22 certificate verifies you will fulfill the state’s minimum liability requirements for the next three years. In Washington, the SR22 insurance minimum is $25,000 for one person involved in your accident, $50,000 for two or more people involved in your accident, and $10,000 for any property damage caused.

How to Find the Right SR22 Insurance

Though it can seem like a stressful process, obtaining an SR22 doesn’t have to overwhelm you. If you file for SR22 insurance in Washington, Serenity Group can help make the process easier. With the right help and information, you can make sure you do everything right to get back on the road as soon as possible.

How to Get Your Life Back on Track After a DUI

Few things can devastate your life quite like a DUI can. Not only can it have long-reaching affects on your job, personal life, and livelihood, but it can also make you feel very down and defeated about yourself. All areas of your life need to be addressed after a DUI, and though it can seem like an insurmountable task at first, anyone can achieve this with diligent work and perseverance. With the help of these pointers on how to get your life back on track after a DUI, you’ll be well on your way to a happy, stable life.

Get treatment

If your DUI was a result of a struggle with alcoholism, it’s time to get the help you really need. Rehab and other forms of treatment are an essential way to regain your life and gain power over your addiction. Be sure to note that recovery is a long and arduous road, and obtaining sobriety will take time, work, and patience. Still, no matter the trials ahead, the end result is more than worth it. With the right tools in your arsenal, you’ll be able to achieve the quality of life you’re hoping for.

Reach out to loved ones

Finding yourself convicted of a DUI can be an incredibly isolating situation. One of the most common emotions associated with a DUI is guilt, and that guilt can cause you to shut yourself out from your family and friends. Rather than allowing that feeling to take over, instead lean toward your loved ones. Reaching out to your family and friends will give you the support system you so desperately need in this time. Not only will they give you emotional comfort, but they can also help to hold you accountable. When it comes to how to get your life back on track after a DUI, few things are as essential as support from others.

Counseling can make a huge difference

Family and friends are an essential part of anyone’s mental health, but in order to really unlock the underlying reasons behind why you got this DUI and how you can create healthy behaviors going forward, counseling or therapy is the way to go. Trained mental health professionals will have the faculties to help you understand why you turn to alcohol, and why you let it get to the point that you drove under the influence. The help of a professional can truly do wonders, and it’s a fantastic way to regain agency over your life and your choices.

Obtain SR22 insurance

After being convicted of a DUI, obtaining insurance is going to be an entirely different process. You’re going to need to obtain SR22 car insurance if you want to hit the road again. The process may seem confusing at first, but with the help of an expert insurance company that is well versed in SR22, it will become a very simple process. Not having the ability to drive can be one of the most stifling experiences, and it can affect everything from your job to your social life. Nip those problems in the bud by obtaining SR22 insurance as soon and possible.

Find a steady job

For many, getting convicted of a DUI will also mean that they lose their job. That isn’t the end of the world, though–there are tons of ways to find a steady job after a DUI. There are many tips and tricks to follow, such as having realistic expectations and having a high amount of confidence. Search for jobs where you won’t have to operate vehicles, and be upfront about your experience getting a DUI. Future employers will respect your honesty, and it will make it that much easier to find a stable, fulfilling job.

Steer clear of any bad influences

Those friends that never wanted to do anything but drink and party? They may not be the best influences after being convicted of a DUI. Part of the road to recovery is to steer clear of negative influences. This can include people, particular places, or events that involve a heavy amount of drinking. The last thing you want is to fall into your old habits, so cut off those ties that aren’t serving you.

Take up other hobbies

If drinking and partying were your two main sources of entertainment, it can be hard to feel like you have activities to fill that void with. Rather than turning back to your old ways, consider taking up a variety of other hobbies. Not only will this encourage healthy habits, but it will keep your mind off of alcohol and drinking. Don’t know what interests you in particular? Than try out a bunch of different options. Hobbies such as painting, trying out a new sport, taking singing lessons, and so much more can help you make healthier choices in the long run.

Make quantifiable goals for yourself

If you want to enact change, you can’t just hope it will happen–you’ve got to make real, concrete goals for yourself. Rather than having vague ideas of what you want for your future, it’s best to make quantifiable goals for yourself. For example, rather than having a goal of having a sober life, make both your goal and the steps to get to it more concrete. You can start out by having a goal of making it to three months of sobriety, and having steps like going to Alcoholics Anonymous, seeking treatment, and finding a steady job as stepping stones that will get you to that goal.

It’s no secret that life as a DUI will be difficult. It doesn’t have to stay that way forever, however, and there are so many ways you can create positive and healthy change in your life. With the help of SR22 online insurance options, it’s easier than ever to regain control of your freedom.  Before you know it, your life will be back on track. One mistake doesn’t have to ruin your life forever, and if you’re struggling with addiction, you’re not alone. Once you get started on your journey toward recovery, your life will just get better and better.

How Does SR22 Insurance Work in Nevada?

If you find yourself in need of SR22 insurance, make sure you know exactly what’s going on. While there are general similarities, each state will have its own specific process for how this particular form of insurance works. For those wondering, how does SR22 insurance work in Nevada, here’s a complete breakdown.

Who needs an SR22?

There are multiple reasons why you may need to obtain SR22 insurance. Each person’s case will vary, but here are just a few common reasons why someone may need an SR22:

• Reckless driving
• Driving while intoxicated
• Driving without a license
• Being found at fault in multiple accidents

If you’re charged with any of these acts, or multiple acts at once, it’s likely that you’ll have to obtain an SR22. An SR22 isn’t technically insurance, but rather, it’s a form you have to file in order to obtain insurance. It’s intended for risky drivers, which could fall under any of those driving infractions.

How does SR22 insurance work in Nevada?

When it comes to how SR22 insurance works in Nevada, as long as you know the basics, it’s a rather straightforward process. First, you must request an SR22 filing from an accredited insurance company. The tricky part is figuring out how much you have to pay. If one person was involved in your accident, there is a $15,000 minimum liability cost; if two or more people were injured, the liability cost increases to $30,000. As far as property damage goes, that has a $10,000 minimum. It’s possible these costs will increase, which depends on your individual circumstances, but these are helpful guidelines.

Where can you find SR22 insurance?

For those of you in need of SR22 insurance in Las Vegas, you’re in luck. Serenity Group has the expertise to help you throughout the entire process and can ensure you get every step right. An insurance group makes sure you don’t get confused throughout the process or accidentally miss a step. Getting SR22 insurance can be overwhelming at first glance, but with the help of professionals, you can proceed with confidence.

How Does SR22 Insurance Affect Your Job? A Total Breakdown

If you find yourself with a suspended license and need SR22 insurance, your first thought may go to your job security. It naturally begs the question: how does SR22 insurance affect your job? Although it’s not a guarantee, it’s very possible that having to get SR22 insurance may negatively impact your current job. No matter what the actual outcome is, it’s important to go into your situation with all the facts. Here’s what you need to know about SR22 insurance and its possible effect on your job, as well as how it could impact the job-hunting process in the future.

What is SR22 insurance?

Technically, SR22 insurance isn’t insurance—it’s a certificate certain drivers have to file to obtain insurance. Once you file the SR22, you can shop around for insurance and get yourself back on the road. In terms of why you’d need it, there are multiple circumstances that call for SR22 insurance.

Why would you need SR22 insurance?

SR22s are needed by many drivers, and each situation is different. Generally, however, here are some of the most common reasons drivers would need an SR22:

• Driving under the influence
• Reckless driving
• Driving without insurance
• Found at fault in an accident
• Speeding

There are many reasons why one would need an SR22, and each will vary from person to person. Once you do secure SR22 insurance, though, it’s important to know how it may impact your employment.

How can it affect your current job?

An SR22 filing, generally, shouldn’t affect your job; however, the reason behind the SR22 could. For those with a DUI that have their license suspended, this could affect your transportation to work. For those who operate machinery in their day-to-day job, or work as truck drivers or bus drivers, this could have a more immediate effect. In that case, you need to inform your employer, which could potentially lead to your termination. Company policies will vary from business to business, but for many, they have zero tolerance policies for some violations that result in an SR22. Honesty is the best policy, as you don’t want your employer to find out from a third-party source. You don’t want to advertise it too widely, either, so avoid telling your coworkers or posting about it anywhere on social media before you tell your boss. If your employer found out this way, it would only make it that much more shocking and upsetting to them.

Which jobs will it affect most?

As expected, those who drive for a living may find themselves in trouble. An SR22 will mostly affect truckers, bus drivers, machine operators, or anyone who drives during their job. It can affect many other fields, as well. If you work with children, or in a public service role, it’s possible they’ll raise concern over your conviction. It will truly depend on your specific company, so be prepared for the fact that it may result in a less than desirable outcome. If you do end up losing your job, don’t stress too much—there are still ways to find a job with an SR22.

Will you be able to find a job with an SR22?
Whether you were convicted of reckless driving, or driving under the influence, those will reflect on your record. Since most jobs run background checks, this is sure to come up in any position you apply for. For some companies, depending on what you were charged with, this will be an automatic deal breaker. If you can make a stellar first impression, however, the company could overlook the charge. There are certain jobs you should stay away from, such as those previously mentioned that involve driving. There are many other avenues you can thrive in, though, as long as you take the time to look. It may take longer than you like, but it’s entirely possible to find a job with an SR22. Patience is the key to success throughout your search.  

Tactics for job searching

With time, you most likely can secure a job, but you’ve got to go into the search with the right tactics and mindset. This is particularly important to keep in mind if you have a DUI on your record. Job searching with a DUI can be very tricky, and you may get discouraged. Nonetheless, there are many tools you can use to make the process smoother.

Have realistic expectations

One of the most important qualities to have while job searching, no matter your situation, is to have realistic expectations. It’s very unlikely you’ll secure your dream job right out the gate, so give yourself time to search for something you’re interested in, but understand it may not work out. If you know that going in, you won’t be so heartbroken if something doesn’t work out, and you can bounce back much quicker.

Prepare ahead of time for your interview

You never want to go into an interview blind, so take that extra time to prepare. This is especially important for those that have an SR22, as it’s likely the interviewer will see the reason behind it after they see your background check. It’s essential you come off as respectful, put together, and excited about the position; that way, you can alleviate any reservations that may come up.

Be upfront

If your record comes up, it’s important to be completely upfront and honest. While you don’t need to volunteer the information, don’t lie if it’s brought up. Your potential employer will be much more interested in you as a candidate if they can see you’re honest and trustworthy, rather than someone who tries to hide the truth.

When it comes to the question of how does SR22 insurance affect your job, or if you’ll need to get a new job, there’s no need to get overly stressed. Whether you need to obtain SR22 insurance in Indiana or Arkansas, what matters is that your SR22 insurance coverage is the next step toward getting your life back on a steady path.

What Happens to Your SR22 Insurance When You Move?

Making a big move is always exciting, whether it’s for a new job or to simply change your surroundings. You may be wondering, though, what happens to your SR22 insurance when you move? While it may seem like a complicated idea, there’s no need to stress. Here’s a breakdown of everything you need to know regarding moving and having SR22 insurance.

Do you still need it?

Even though you’re moving out of the current state you live in, that doesn’t mean your SR22 disappears once you leave. You’re still going to need your SR22 insurance. For example, if you have an SR22 in Colorado, but you move to Indiana, you’re still going to need to maintain that SR22 and not let it expire. If you fail to maintain it, you may even lose your ability to have a license, and possibly face other penalties.

Will you need new SR22 insurance?

When you move to a new state, you’re likely to need to update your insurance accordingly. Even if you’re moving to a state that doesn’t typically use SR22 insurance, you’ll need to keep it going. To keep the insurance that you already have, your insurance provider needs to have a license in the state you’re leaving and the one you’ll be moving to. If you’re not sure whether or not they serve both states, be sure to give them a call well in advance to your actual moving date.

Are there differences state to state?

It’s important to educate yourself on the differences between each state’s SR22 insurance policies. Not all of them have the same requirements or specifics, so you’re not going to want that information to blindside you. Read up on the different requirements and go into your new state with all the information you can get.

SR22 insurance can be confusing to navigate, but with the right help at your side, you can get it all squared away with ease. Whatever you do, be sure to keep up your SR22 when you move. What truly matters is getting your freedom and autonomy back—with the help of an SR22, you can do just that.

What Happens if You Can’t Afford SR22 Insurance?

The prospect of needing SR22 insurance can feel very overwhelming. Any amount of change can be stressful, but if it’s something you feel isn’t financially feasible, the stress will only be that much worse. It begs the question: what happens if you can’t afford SR22 insurance? Here’s a complete outline of why you would need it, the typical costs, and what to do if you can’t afford it.

Why would you need an SR22?

It varies from person to person and case by case, but in general, there are a few common reasons for needing an SR22. These include convictions for:

• Driving while intoxicated
• Reckless driving
• Driving without a license

You may also need an SR22 if you obtain multiple driving convictions. When you’re found guilty of any these, you’re likely to be considered a “high-risk” driver. This results in the need to obtain special insurance in the form of an SR22, which will cost extra money on top of your usual car insurance.

What are the typical costs?

Again, the typical cost of an SR22 will vary from person to person, as it’s determined on an individual basis. Factors that impact the cost include your driving history, where you live, your age, and much more. On average, though, you can expect to spend between $300 to $800 dollars. For many people, unfortunately, this just isn’t something they can swing. Luckily, there are some ways you can mitigate that cost.

What if you can’t afford it?

Filing for an SR22 can be quite the financial burden—aside from the upfront cost, it also has the potential to drive up your normal insurance rates a significant amount—but there are still steps you can take. You may first go through your current auto insurance company to get a quote, but if you instead go through a company that specializes in SR22 and in finding you affordable insurance, you can find a much better rate. Working with them will allow you to find something that works for you so that you can keep your independence and your financials in check.

Don’t let worry take over your mentality. While it may seem impossible to obtain insurance now, by really researching your options and putting in the work, you’ll get there faster than you know. With the help of SR22 insurance, you can get back on the road and obtain your independence.