Free SR22 Insurance Quotes – Car Owners & Non-Owner SR-22 – Cheap!
What is SR22 Insurance? You Ask, We Answer
Having insurance allows you to be prepared for the unexpected. If you’re told you need to get an SR22 or SR 22 insurance or an SR-22 form, would you know what to do?
Mid-Columbia Insurance is here to help.
Most people don’t really know what an SR-22 is. Is an SR22 different than car insurance? How do you get an SR 22? We answer your questions below and when you’re ready to get your SR22 car insurance, contact us for a fast and free insurance quote.
Suspended? Get Your Driver’s License Back Fast!
Most of us need to drive in order to get to work, to run errands, and to do all that other stuff in life.
If you have lost your license due to some driving mishap there are a number of things you will need to do to get your license back and one of them is to file an SR-22 with the state.
Everything you need to know about SR22 insurance
- What is an SR 22?
- Is an SR 22 considered car insurance?
- I Don’t Own a Car – Can I Get an SR-22?
- How to Get SR22 Insurance?
- Cheap SR 22 Insurance
- Does SR22 Increase Insurance Rates?
- Can My Current Agent File My SR22?
- How Much Does SR22 Insurance Cost?
- How Long Do I Need to Carry My SR 22?
- What Happens If I Cancel My SR-22 Insurance?
- How Can I Get the Lowest SR22 Insurance Rates?
- Can I Get An SR22 Without Having Car Insurance?
What is SR22 Insurance?
An An SR22 is simply certifies to the Department of Licensing (DOL) that you are carrying the car insurance they require.
Sometimes an SR22 is called a certificate of financial responsibility (CFR) filing. Having an SR 22 form on file simply means you are meeting the state’s minimum car insurance requirements.
You would need an SR-22 in order to reinstate your driver’s license after getting a suspension or revocation for a DUI, too many tickets, etc. In such situations, the state of Washington, like most states, requires a person to file an SR22 with the DOL proving they have car insurance.
If you let your insurance cancel, your insurance company is required to notify the state (with a SR-26 form) and if you go long enough without the SR-22, you may have to pay to reinstate your license once you get a new SR22.
Is an SR 22 considered car insurance?
An SR22 is proof you have car insurance. Kind of like the Insurance ID Card you would show the police if you were pulled over, the SR 22 form is filed with the department of licensing. Having an SR-22 is simply proof you are meeting the state’s minimum car insurance requirements and is just a rider on your car insurance. Your insurance provider is certifying to the state that you have liability insurance in force with them and a promise to notify them if your insurance cancels
I Don’t Own a Car – Can I Get an SR-22?
Yes, you can get an SR-22 even if you do not own a vehicle. If the Department of Licensing (DOL) requires you carry an SR22 to keep your license, we can help even if you do not own a car.
You can get what is called a Broad Form Insurance policy, or more commonly “Drivers License Insurance”.
A Broad Form policy covers you when you are driving any vehicle, owned or non-owned.
There are disadvantages to insuring your license. Be sure to talk to one of our knowledgeable insurance agents when making this important decision.
For more information about Broad Form insurance, check out our Broad Form insurance / Drivers License Insurance page.
How to Get SR-22 Insurance?
To get an SR-22 you can ask your insurance agent to add it to your current auto insurance or start a policy with the SR 22 on it. Getting an SR22 doesn’t have to be a hassle – Mid-Columbia Insurance is the SR 22 expert – we can walk you through the whole process!
You can call us at (509)783-5600, come into one of our offices, or start the process online filling out the quote request. The sooner you purchase your policy, the faster we can help you get your license back.
You could spend all day searching the internet but it is unlikely that you will find a lower SR-22 cost and you will never find customer service that can beat what we can do for you.
Cheap SR22 Insurance
We can get you cheap SR-22 insurance because we have multiple companies we can offer that will compete for your business. The General, Geico, and Progressive spend millions advertising on TV trying to convince you they can save you money by buying insurance online only to disappoint.
As an independent insurance agent, we work for you, shopping a whole list of car insurance companies to find you the best SR-22 insurance rates in Washington state.
Most other auto insurance agencies, who we call AllStateFarmers, represent just their one company and only have one price to offer.
We work for you, comparing the rates and coverages of multiple car insurance companies and giving you a choice.
Does SR22 Increase Insurance Rates?
An SR22 increases your insurance rates because most preferred insurance companies do not want to insure someone who needs an SR22 and because of the tickets on your driving record.
The actual SR22 filing will only add about $25 to your car insurance policy, but you will probably have to get insurance with a “High Risk” auto insurance company willing to take a chance of covering you.
Can My Current Agent File My SR 22?
Your current agent can add an SR-22 to your car insurance policy but this may cause problems for you. Many insurance companies consider themselves “preferred” and do not want to insure individuals who require an SR22. They may raise your rates substantially or even cancel your policy at renewal when they find out you need an SR-22.
Can I get an sr22 from a different insurance company?
Yes, you can have a different insurance company file your SR22 with the state and not notify your current insurance company. If they don’t check your driving record, and unless there was an accident they probably won’t, you may be able to keep your preferred car insurance rates.
If you don’t want to tell your current insurance agent about your need for an SR22, Mid-Columbia Insurance can write a basic insurance policy on your driver’s license (called Broad Form) with the SR 22 so you can keep your current “preferred” insurance on your cars and have an SR-22 on your license.
How Much Does SR-22 Insurance Cost A Month?
An SR22 might add about $2 per month to the cost of your regular car insurance since most insurance companies only charge about $25 per policy term for an SR22 filing. This is just the fee the insurance company charges to handle the paperwork required by the state to notify them that you have insurance.
Why, then, is SR22 insurance so expensive? SR-22 is expensive because the car insurance rate is based on your actual driving record. Did you get a DUI? Multiple traffic tickets? Involved in an accident without insurance? Obviously something happened to cause you to need the SR-22 and this is what causes your insurance to be higher than others.
How Long Do I Need to Carry My SR22?
Usually you need to carry an SR22 for 3 years but it could be more or less depending on the judge and your situation.
The best way to find out how long you will need to carry an SR-22 is to call the department of licensing directly and ask them.
What Happens If I Cancel My SR 22 Insurance?
If your SR22 insurance cancels, the state will suspend your license until you get an SR-22 filed again and you may have pay the reinstatement fees again to get your license back.
When your SR22 cancels, the insurance company is required to file an SR26 with the state to notify them that you no longer have active insurance.
If you are pulled over while your SR22 is cancelled, you probably will get a ticket for driving while suspended, which will raise the cost of your insurance even higher.
How Can I Get the Lowest SR-22 Insurance Rates?
The lowest SR22 insurance rates can be found by checking rates with insurance companies that specialize in this situation. The easiest way to do that is to just call us. We represent multiple insurance companies that offer SR22 Insurance – and we write lots of it.
If you live in Washington state and need to get your license unsuspended, we can help. The SR 22s are filed electronically with the Department of Licensing (DOL) so you can get your license back fast.
If you live in Washington you probably got your ticket here and so need a Washington SR-22 but, if you need it, we can also do am Oregon SR22, California SR 22, Idaho SR-22, and just about every other state.
Can I Get An SR22 Without Having Car Insurance?
If you don’t have car insurance, you can get an SR22 by starting a new insurance policy and asking that insurance company to file the SR22 for you.
Washington state only requires minimum liability limits on the policy so it does not have to be expensive if that is all you need. Of course, the more tickets you have on your driving record, the more your insurance will cost.
A quick call and we can have your insurance started and your SR22 on its way to the state.
Testimonials & Referrals
I’m glad I called Mid Columbia today, Kristen was super helpful in getting me quoted at rate that worked for me. Mid Columbia Insurance seems like great family run business. #NotgoingbacktoGeico
Daisy was amazing at helping me get a policy today. Thank you so much. You were amazing and loved your bubbly personality and how happy and cheerful you were. I will definitely refer your name out to everyone. Gracias muchacha
Kyle was great with helping me out with my SR-22
SR-22s Written in the Following Cities
Mid-Columbia Insurance writes SR22s in Seattle, Spokane, Tacoma, Vancouver, Bellevue, Kent, Everett, Renton, Federal Way, Yakima, Spokane Valley, Kirkland, Bellingham, Kennewick, Auburn, Pasco, Marysville, Lakewood, Redmond, Shoreline, Richland, Sammamish, Burien, Olympia, Lacey, Edmonds, Puyallup, Bremerton, Lynnwood, Bothell, Longview, Issaquah, Wenatchee, Mount Vernon, University Place, Walla Walla, Pullman, Des Moines, Lake Stevens, SeaTac, Maple Valley, Mercer Island, Bainbridge Island, Oak Harbor, Kenmore, Moses Lake, Camas, Mukilteo, Mountlake Terrace, Tukwila, Port Angeles, Mill Creek, Covington, Battle Ground, Tumwater, Bonney Lake, Arlington, Ellensburg, Monroe, Centralia, Aberdeen, Anacortes, Sunnyside, Washougal, East Wenatchee, West Richland, Port Orchard, Lake Forest Park, Lynden, Ferndale, Snoqualmie, Kelso, Enumclaw, Cheney, Woodinville, Newcastle, Grandview, Sedro-Woolley, Shelton, Edgewood, Poulsbo, Sumner, Fife, Snohomish, DuPont, Port Townsend, College Place, Toppenish, Liberty Lake, Burlington, Hoquiam, Gig Harbor, Yelm, Ephrata, Othello, Duvall, Selah, Milton, Clarkston, Quincy, Orting, Chehalis, Pacific, Stanwood, Sequim, Fircrest, Normandy Park, North Bend, Airway Heights, Brier, Ridgefield, Union Gap, Prosser, Woodland, Ocean Shores, Connell, Wapato, Blaine, Medical Lake, Omak, Sultan, Colville, Mattawa, Buckley, Black Diamond, Chelan, Deer Park, Montesano, Moxee, Forks, Granite Falls, Goldendale, Granger, Clyde Hill, Benton City, Medina, Cashmere, Algona, Zillah, La Center, Elma, Colfax, Raymond, Warden, Chewelah, Okanogan, Everson, Dayton, Bridgeport, Brewster, Kalama, White Salmon, Mabton, Royal City, Castle Rock, Newport, Gold Bar, Westport, Leavenworth, Rainier, Cle Elum, Carnation, Napavine, Millwood, Tenino, Oroville, Ritzville, Davenport, McCleary, South Bend, Kettle Falls, Cosmopolis, Soap Lake, Stevenson, Nooksack, Kittitas, Pomeroy, Woodway, Sumas, Long Beach, Winlock, Asotin, Tieton, Waitsburg, Entiat, Morton, Republic, Langley, Grand Coulee, Electric City, Tonasket, Palouse, North Bonneville, Ilwaco, Roslyn, Roy, Rock Island, Ruston, Tekoa, Mossyrock, Toledo, Bingen, Oakville, Pateros, Vader, George, Mesa, Sprague, Harrington, Prescott, Spangle, and Kahlotus.