SR22 Insurance Spokane County  [FAQ]

Start Driving Again! Owner & Non-Owner SR22

SR-22 Insurance lets you start driving again quick in Spokane County Washington. Let Mid-Columbia Insurance handle your SR-22.

If you are told that you require an SR22 would you have any idea what to do? Breathe easy, SR-22 insurance is our specialty. Mid-Columbia Insurance can handle submitting the SR-22 in Spokane County for you. Let us be your insurance coverage finders.

If you are dealing with a DUI or other significant tickets then getting SR-22 insurance coverage is probably your next step to getting your license back and having the ability to drive your car lawfully. Mid-Columbia Insurance serves Spokane County and all of Washington state and is the general SR-22 insurance specialist. We offer a Progressive SR-22, National General SR-22, Dairyland SR22, Kemper SR22, Safeco SR 22, The General SR-22, and more for you.

SR22 insurance can be costly so it is very important that you can get the coverage you need at a rate you can pay for. We focus on representing the progressive insurers that provide the best rates for SR-22 insurance in Washington.

Anxious about who to rely on? Have a look at our great Google Reviews. Can 1500+ reviews be wrong? When want to get your SR 22 vehicle insurance, call us for a fast and complimentary SR 22 insurance quote.

SR 22 DUI insurance in Spokane County

Suspended License? Cheap Washington SR 22. Get Your Drivers License Back Quick!

Most of us must drive in order to get to work, to run errands, and to do all that other stuff in life.

If you lost your license due to a DUI or some driving accident there are a number of things you will need to do to get your license back. Among them is to file an SR 22 with the state.

Everything you care to know about SR22 insurance in Spokane County.

What is SR-22 Insurance coverage?

An SR22 is ordered by the Department of Licensing (DOL) in order to reinstate your driver’s license after getting a suspension or revocation for a DUI, too many tickets, and so on. An SR-22 merely confirms to the DOL that you have the automobile insurance they mandate.

Often an SR22 is called a certificate of financial responsibility (CFR) filing. Having an SR 22 form on file simply proves you are meeting the state’s minimum vehicle insurance coverage requirements.

If you let your SR 22 insurance coverage go unpaid, your insurance provider is obligated to inform the state with a SR26 form and if you go without the SR22, you might need to pay the state to reinstate your license once you get a brand-new SR-22.

SR 22 insurance Spokane County

Is an SR 22 considered car insurance?

An SR 22 is evidence you have vehicle insurance coverage. Similar to the Insurance ID Card you would show to law enforcement if you were pulled over but the SR 22 form is submitted to the Department of Licensing (DOL).

Having an SR-22 is just evidence you are fulfilling the DOL’s minimum car insurance requirements and is just a rider on your automobile insurance coverage. Your insurance company is verifying to the state that you have liability insurance in force with them and they pledge to inform the DOL if your insurance coverage lapses.

I Don’t Own a Car– Can I Get an SR-22?

Yes, you can get an SR22 even if you do not have an auto. If the Department of Licensing (DOL) requires you carry an SR 22 to keep your driver’s license, we can help even if you do not own a vehicle.

You can also get what is called a BroadForm Insurance plan, or more typically “Drivers License Insurance”.

A BroadForm policy covers you when you are driving almost any automobile, owned or non-owned.

There are drawbacks to insuring your license. Make certain to speak with any of our knowledgeable insurance agents when making this important choice.

For additional information about Broad Form insurance, take a look at our Broad Form insurance coverage/ Driver’s License Insurance page.

SR22 insurance Spokane County

How do I Get SR-22 Insurance?

To get an SR-22, you can request for your insurance representative to add it to your existing automobile policy or you can start a new policy with the SR22. Getting an SR22 does not need to be a hassle– Mid-Columbia Insurance is the SR 22 expert– we can guide you through the entire process!

You can call us at (509)547-8824, visit one of our offices, or start the process online completing the quote request. The faster you buy your policy, the quicker we can help you get your license reinstated.

You could spend all your time searching the internet but it is unlikely that you will find cheaper SR22 coverage and you will never experience client service that can do better than what we will do for you.

Where Can I Find Cheap SR 22 Insurance Coverage?

Low-cost SR 22 insurance in Spokane County is normally purchased at an independent insurance agency like Mid-Columbia Insurance due to the fact that we represent numerous insurers that compete for your business. The General, Geico, and Progressive spend millions promoting on TV trying to convince you that they can save you money by buying insurance coverage direct just to disappoint.

As an independent insurance agency, we work for you, comparing a whole list of car and truck insurers to find for you the best SR-22 insurance prices in Spokane County.

Most other auto insurance agencies, who we call AllStateFarmers, represent only their one company and just have one rate to offer.

We work for you, comparing the prices and protections of several car insurance companies and offering you options.

SR22 insurance Spokane County

SR 22 filing in Spokane County

Can My Existing Company File My SR22?

Your present insurance agent should be able to attach an SR-22 to your insurance plan but this may trigger issues for you. Several insurance companies consider themselves “preferred” and so do not want to cover people who need an SR-22. They may jack up your rates significantly or perhaps terminate your policy at renewal when they find out you need an SR 22.


Can I get an SR22 from a different insurer?

Yes, you can have a different insurance company submit your SR22 with the DOL and not alert your current insurance provider. If they don’t check your driving history, and unless you were involved in an accident they probably won’t, you may be able to maintain your preferred vehicle insurance policy prices.


If you do not intend to tell your current insurance coverage representative regarding your need for an SR22, Mid-Columbia Insurance can offer a basic insurance plan on your driver’s license (called Broad Form) with the SR 22 so you can maintain your existing “preferred” insurance on your cars and have an SR-22 on your license.

How Much Is SR-22 Insurance in Spokane County?

The typical cost of SR 22 insurance coverage should be less than $5 monthly when added to a standard auto insurance policy considering that the majority of insurers only charge about $25 per 6 month policy term for an SR 22 filing. This is just the cost the insurer includes to manage the documents needed by the state to alert them that you have an active SR22 filing. If your company charges more, you might want to get another quote and we would love to help!

Why, then, does SR-22 insurance seem so costly? An SR 22 is just a rider on your regular auto insurance. If it is pricey, it is because the auto insurance rate is based upon your driving record. Did you get a ticket for driving under the influence? Numerous traffic tickets? Involved in a crash? Been without insurance coverage? Obviously something took place to trigger you to need the SR22 and this is what triggers your insurance coverage to be higher than others.

Just how much does SR-22 insurance cost? SR22 insurance is cheap. It is your driving record that is pricey.

SR 22 insurance Spokane County

How Long Am I Required to Carry My SR 22?

Normally you have to have an SR22 for Three years but it can be more or less depending on the judge as well as your situation.

The very best way to figure out how long you are going to really need to have an SR-22 is to call the Department of Licensing directly at (360)902-3900 and ask them.

What Happens If I Terminate My SR-22 Insurance Coverage?

If, while required, your SR-22 insurance terminates while an SR-22 is still needed, the state will certainly re-suspend your license until you get another SR 22 filed again and also you might have to pay the reinstatement costs once again to get your driver’s license back.

When your SR-22 cancels, the insurance provider is obliged to file an SR26 with the DOL to inform them that you no longer have active insurance coverage.

If you are pulled over while your SR-22 is canceled, you probably will get a ticket for driving while suspended, which will certainly increase the price on your insurance policy even higher.

DUI insurance Spokane County

Exactly How Can I Obtain The Lowest SR22 Insurance Rates?

The lowest SR-22 insurance coverage rates can be had by reviewing prices of a couple insurance companies that specialize in SR22 insurance. The most convenient way to do that is to just call Mid-Columbia Insurance. We work with numerous insurance companies that provide SR 22 insurance coverage– and also we write lots of it.

If you reside in Washington state and need to get your license unsuspended, we can really help. The SR22s are submitted online with the Department of Licensing (DOL) so you can get your driver’s license back quick.

If you live in Washington you most likely got your ticket here and therefore need a Washington SR 22 yet, if you need an out-of-state SR22, we can likewise do Oregon SR-22s, California SR-22s, Idaho SR22, and also practically every other state.

Can I Obtain An SR 22 Without Having Auto Insurance?

If you do not have auto insurance, you can obtain an SR 22 by beginning a brand-new insurance plan and asking the insurance company to file the SR-22 for you.

Washington state only requires minimal coverage on the plan so it doesn’t need to be costly to get insured. Naturally, the more tickets you have received, the more your insurance policy will certainly set you back.

A quick phone call and we can have your insurance policy started as well as your SR 22 on its way to the state.

Does SR-22 Raise Insurance Rates?

Needing an SR22 hikes your insurance prices since most name-brand insurance companies do not want to insure a driver who requires an SR22 and because of the tickets you probably have on your driving record.

The actual SR22 filing will just add around $25 to your car insurance policy, however you will probably have to obtain an insurance policy with a “High Risk” insurance provider ready to take a chance on insuring you.

About Spokane County

Spokane County is a county located in the U.S. state of Washington. As of the 2010 census the population was 471,221, making it the fourth-most populous county in the state of Washington. The largest city and county seat is Spokane, the second largest city in the state after Seattle. The county is named after the Spokane tribe.

Spokane County is part of the Spokane-Spokane Valley, WA Metropolitan Statistical Area, which is also part of the greater Spokane-Coeur d’Alene Combined Statistical Area that includes nearby Kootenai County, Idaho.

The first humans to arrive in what is now Spokane County arrived between 12,000 and 8,000 years ago and were hunter-gatherer societies who lived off the plentiful game in the area. Initially, the settlers hunted predominantly bison and antelope, but after the game migrated out of the region, the native people became dependent on gathering various roots, berries, and nuts, and harvesting fish. The Spokane tribe, after which the county is named means “Children of the Sun” or “sun people” in Salishan The explorer-geographer David Thompson, working as head of the North West Company’s Columbia Department, became the first European to explore what is now the Inland Northwest. After establishing the Kullyspell House and Saleesh House fur trading posts in what are now Idaho and Montana, Thompson then attempted to expand further west. He sent out two trappers, Jacques Raphael Finlay and Finan McDonald, to construct a fur trading post on the Spokane River in Washington and trade with the local Indians. This post was established in 1810, at the confluence of the Little Spokane and Spokane rivers, becoming the first enduring European settlement of significance in Washington state. Known as the Spokane House, or simply “Spokane”, it was in operation from 1810 to 1826.

Source: Spokane County, Washington in Wikipedia

Top DUI Lawyers Near Spokane County

Twyford Law Office
8 reviews
Divorce & Family Law, Criminal Defense Law, Personal Injury Law
430 W Indiana Ave, Spokane, WA 99205
(509) 327-0777
Law Office of Steve Graham
3 reviews
Criminal Defense Law, DUI Law
1312 N Monroe St, Ste 140, Spokane, WA 99201
(509) 252-9167
Kapri Law
1 review
Legal Services, Divorce & Family Law, Business Law
1312 N Monroe St, Ste 244, Spokane, WA 99201
(509) 252-6002
Gravis Law
2 reviews
Personal Injury Law, Criminal Defense Law, Divorce & Family Law
1309 W Dean Ave, Ste 100, Spokane, WA 99201
(509) 844-9390
Partovi Law P.S
4 reviews
Criminal Defense Law, Personal Injury Law, Divorce & Family Law
900 N Maple St, Spokane, WA 99201
(509) 270-2141
Maxey Law Office
1 review
Divorce & Family Law, Personal Injury Law, Criminal Defense Law
1835 W Broadway Ave, Spokane, WA 99201
(509) 828-4936

Top Things to Do Around Spokane County

Frank’s Diner
1056 reviews
Diners, Breakfast & Brunch, Sandwiches
1516 W 2nd Ave, Spokane, WA 99204
(509) 747-8798
Wild Sage Bistro
658 reviews
American (New), Cocktail Bars, Desserts
916 W 2nd Ave, Spokane, WA 99201
(509) 456-7575
Cochinito Taqueria
546 reviews
Tacos, Cocktail Bars
10 N Post St, Spokane, WA 99201
(509) 474-9618
535 reviews
American (New), Vegan, Cocktail Bars
214 N Howard St, Spokane, WA 99201
(509) 747-2004
594 reviews
Asian Fusion, Ramen, Bars
818 W Sprague Ave, Spokane, WA 99201
(509) 290-5763
Soulful Soups and Spirits
249 reviews
American (Traditional), Lounges, Pubs
117 N Howard St, Spokane, WA 99201
(509) 459-1190