High-risk drivers who need to file an SR-22 form can get insurance coverage with Dairyland, but their premiums are typically much higher than competitors.

If you’ve recently been charged with a traffic violation and are required by law to file an SR-22, your insurance rate is almost guaranteed to spike. Even so, you can save money by comparing quotes and offerings from different

car insurance

companies before committing to a new policy. Here’s our guide to Dairyland’s offerings to drivers with SR-22 requirements.

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All about Dairyland insurance

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Does Dairyland offer SR-22 auto insurance?

Thankfully, Dairyland does offer SR-22 filings with state DMVs after providing insurance coverage to high-risk drivers. The filing fee and process is different depending on which state you live in, but it’s free to file your SR-22 form and start your policy with Dairyland.

Your Dairyland SR-22 policy is guaranteed to include your state’s

minimum liability insurance requirements

, but it could also include other forms of coverage required by the DMV where you live. If you want more than your state’s liability coverage included in your policy, Dairyland does offer “full-coverage” plans to SR-22 policyholders that include

collision coverage

and

comprehensive coverage

Most states require high-risk drivers to have an SR-22 for at least three years at risk of losing your license. However, this can vary by state or circumstance, so it's best to check the laws pertaining to you before canceling your SR-22 policy.

Once three years have passed, you’ll be able to renew your policy (without the SR-22 form) at a lower rate—or

cancel your Dairyland coverage

and go elsewhere.

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What is a high-risk driver?

What is an SR-22 for car insurance?

While the term SR-22 insurance is thrown around, an SR-22 isn’t a form of insurance at all. It serves as proof of financial responsibility and is filed by your insurance company to your state’s DMV. An SR-22 form makes it clear to the DMV that you’ve met the minimum level of insurance coverage required by the state to drive.

Usually, SR-22s are required by the state or a court after serious driving violations. Drivers who’ve been charged with reckless driving, have a

DUI conviction

, caused an accident

while uninsured

drove without a valid license

, or who've been charged with multiple violations in a short period of time may be required to file an SR-22 form.

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What is SR-22 insurance? Do I need it?

Does Dairyland offer non-owner SR-22 insurance?

If you’re looking for non-owner SR-22 insurance with Dairyland, you’re in luck—Dairyland does offer non-owner insurance policies to those who need an SR-22 form.

Sometimes, purchasing car insurance is required to regain your driver’s license privileges even if you don’t own a car. In this case, purchasing

non-owner car insurance

is the only way to satisfy this requirement.

Does Dairyland have FR-44 insurance?

While SR-22 insurance is the term used in most states for the form high-risk drivers need to retain their licenses,

Florida

and

Virginia

require an FR-44 form for drivers who’ve committed serious violations.

Drivers who need to file an FR-44 will need to purchase additional coverage. For instance, if you’re a driver in Florida and you need to file an FR-44 form, you won’t just need to purchase

property damage liability

, which is the state’s minimum coverage requirement. You’ll also need to carry at least $100,000 per person and $300,000 per accident of

bodily injury liability insurance coverage

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High-risk car insurance: everything you need to know

How much does an SR-22 from Dairyland cost?

While filing an SR-22 form is free, the precise cost of your SR-22 policy will depend on why you need an SR-22, what kind of coverage you need, and where you’re located. These factors are taken into account with the usual considerations, such as your age, gender, car make and model, and other factors that insurance providers look at when calculating your premium.

While Dairyland is prepared to file SR-22 forms for high-risk drivers, their insurance premiums reflect their willingness to take these risks. Dairyland SR-22 policy carriers can expect to pay upwards of $4,000 per year for their policies, which is significantly more than other insurance providers charge for SR-22 insurance.

Expect this number to climb even higher if there’s a serious driving violation, like a DUI, on your record. This number may be higher or lower depending on your state’s specific coverage requirements.

Which insurance company has the cheapest SR-22 coverage?

Dairyland is known as an insurance provider for high-risk drivers, but their rates are much higher than other auto insurance companies such as

GEICO

Progressive

, or

Nationwide

. Dairyland SR-22 insurance may only be worth purchasing if you have a very serious violation and are having trouble getting coverage elsewhere.

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