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Does The General offer SR-22 insurance?
This question is about The General Insurance
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The General provides insurance to drivers who need SR-22 certification. Although high-risk insurance is often called "SR-22 insurance," SR-22 is actually a form required by the state verifying that drivers with certain violations are carrying auto liability insurance. Some insurance companies will not insure these high-risk drivers.
The General sells SR-22 insurance, along with other types of policies, in all states except Hawaii, Massachusetts, Michigan and New Jersey. You can apply online or by calling (844) 328-0306. If you need an SR-22 form completed, a copy of the form will be included with your final policy documents. The General will file the form for you in most states, for the state fee of $15 - $25.
SR-22 insurance is likely to be pricey from any company. Insurers want to be paid for their added risk when they cover drivers with poor records. The premiums for a driver convicted of a DUI, for example, can rise 50% to 200%, depending on the insurer, state, driver's age, previous record, etc. The General is worth getting a quote from, because the company specializes in high-risk drivers and is highly rated for SR-22 policies. However, it's always a good idea to compare several quotes to get the best price possible for your needs.
SR-22 certification is usually mandatory for drivers who cause accidents while driving without insurance, are convicted of a DUI, have their license revoked or suspended, or get many tickets and/or traffic convictions in a short time period. You will need to keep your SR-22 current for 1-5 years, depending on the state. Your higher premiums will likely last at least three years. However, they can last seven or more, depending on the violation and your state's regulations.
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How much does SR-22 insurance cost per month?
SR-22 insurance costs an average of $62 to $122 per month, depending on the insurer and the offense that led to the SR-22 requirement. The DMV in your state will also charge a one-time fee to file the necessary paperwork.
It costs $25 to $50 to file an "SR-22 form with the DMV, depending on the state. In addition to proving you have enough coverage to drive legally, the SR-22 flags you as a … read full answerhigh-risk driver , which explains why your insurer will charge you more than the average policyholder for coverage.
SR-22 Insurance Cost by Company
| Company | Average Monthly Premium with an SR-22 | Average Annual Premium with an SR-22 |
| Geico | $46 | $556 |
| Progressive | $56 | $669 |
| USAA | $59 | $713 |
| Travelers | $62 | $740 |
| Liberty Mutual | $78 | $936 |
| Allstate | $80 | $954 |
| The Hartford | $80 | $963 |
| State Farm | $83 | $999 |
| Nationwide | $85 | $1,020 |
| Farmers | $91 | $1,092 |
Factors That Affect SR-22 Insurance Costs
Premiums vary based on infraction, company, state, and individual driver. How much coverage you buy also makes a difference in cost. For instance, if you only buy the minimum amount of insurance required by your state, you can fulfill your SR-22 requirement for a lower price than if you purchased a full coverage policy. And since you only need to have an SR-22 for 1-5 years, depending on the state, your premium will eventually go back down.
To learn more, check out WalletHub's complete guide to SR-22 insurance .
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Can you get SR-22 insurance without a car?
Yes, you can get SR-22 insurance without a car if you purchase a non-owner policy and ask the insurance company to file an SR-22 on your behalf with the state DMV. Non-owner SR-22 insurance verifies that high-risk drivers who do not own a vehicle have the minimum amount of car insurance required by their state. … read full answer
Non-owner SR-22 insurance is not available if you have access to a vehicle owned by someone in your household. Additionally, if you are required to have an ignition interlock breathalyzer device installed in any car you drive after a DUI, you will not be able to purchase non-owner SR-22 coverage.
The cost of non-owner SR-22 insurance varies by state. Since this coverage applies to people who are less likely to drive regularly, it generally costs less than regular SR-22 coverage.
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Does Geico provide SR-22 insurance?
Geico SR-22 insurance covers drivers classified as "high-risk" by their state's department of motor vehicles. Although high-risk insurance is often called SR-22 insurance, SR-22 is actually a form required by the court or state, verifying that a driver has auto insurance liability coverage. Geico will file the SR-22 on behalf of its policyholders. The filing fee is $25 in most states. … read full answer
Regulations vary from state to state, but an SR-22 is usually required for a driver to regain his or her license after driving-related violations, such as:
- DUI convictions
- Reckless driving
- Accident caused by an uninsured driver
- Driving without a license or insurance
Geico has a history of working with high-risk drivers to help them keep their insurance and driving privileges. The biggest cost of SR-22 insurance comes in the form of higher premiums. Premiums can rise 25% or more after a driving violation, depending on the type of violation as well as the driver's age and location.
Time and a clean record will bring premiums down in the long run. Meanwhile, Geico discounts—such as those for air bags (25%-40% off personal injury protection), anti-theft systems (25% off comprehensive coverage), or anti-lock brakes (5% off collision coverage)—may partially offset increases. The best way to get an accurate, personalized SR-22 insurance quote is through Geico's website.
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