What Happens if You Can’t Afford SR22 Insurance?

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.