What is SR22 insurance?

SR-22 insurance is a document that shows proof of financial responsibility and verification of auto liability coverage. Your state Department of Motor Vehicles may require you to provide a filing of a SR-22 insurance policy in addition to your car insurance if you drive under the influence of a drug or alcohol related offense, drive without proper insurance, are a habitual traffic offender, or are involved in a motor vehicle accident. Most states require a SR-22 insurance policy to maintain a Hardship Driver' License, Limited Driving Privilege, Restricted Driver's License, or Limited Driver's License.

How does an SR22 affect you?

An SR-22 insurance policy must be carried for a designated time period, depending on the severity of your violations. Most offenders can expect to have a SR-22 for up to 3 years, or possibly more. During this time, you must maintain a mandatory SR-22 continuous liability coverage. Any break in coverage will be reported to the state, resulting in the suspension of your license. If the SR-22 insurance policy is not kept in force, you will have to start the process all over again. On top of securing adequate insurance, drivers with an SR-22 status should adhere to traffic laws and refrain from driving after alcohol consumption. After the proper fulfillment of this time period, a driver’s SR-22 status will expire, and driving privileges will be restored.

How much does an SR22 cost?

The cost of premiums varies depending on the severity of your violations. Minor offenses, such as neglecting to pay a parking ticket, are often paired with more affordable policies. However, major offenses, such as drinking under the influence, are more likely to raise your premiums. It all depends on your driving history, background, and credit history. To get a free quote, call us today for more information on SR-22 insurance. 

Can I get a Non-Owner's SR22 Policy?
Yes, Glades Insurance offers the option to purchase a SR22 insurance policy if you don't own a vehicle. We will also handle the filing with the Secretary of State so you can take the next steps to reinstate your drivers license. We currently offer SR-22 insurance policies in Missouri, Arkansas, Kansas, and Colorado.