High Risk Auto Insurance

Cheap High Risk Auto Insurance

Getting a DUI can be a devastating event, but not when you choose an insurance company that understands what you’re going through. Serenity Insurance has over 30 years of experience insuring high-risk drivers. We provide affordable SR22 insurance for drivers that have received a DUI.

What Is High Risk Auto Insurance

Being convicted of a DUI or DWI, having multiple traffic violations, or driving while uninsured are all ways to become a high-risk driver. As a high risk driver you need an insurance policy that accounts for your increased potential of filing a claim.

SR22 Required in 43 States

To reinstate your license after a DUI, your auto insurance company must file an SR22 certificate with the DMV. This is required by the court to verify you have sufficient auto insurance based your state’s minimum liability requirements. If your insurance cancels, your SR22 will become invalid and your license will be suspended.

Florida and Virginia require a similar certificate called an FR44.

How Being High Risk Affects Insurance

As a high risk driver, you need High Risk Auto Insurance which is 20-40% more expensive than a standard auto insurance.