Does Elephant Have SR-22 Insurance?
Elephant offers SR-22 insurance policies for drivers with traffic violations in Illinois, Indiana, Tennessee, Texas, and Virginia.
Written by Macy Fouse
Reviewed by Amy Bobinger
Elephant Insurance offers affordable coverage for high-risk drivers with SR-22 filing requirements in Illinois, Indiana, Tennessee, Texas, and Virginia.
If you’ve landed yourself in a sticky situation and you need to file an SR-22 form to keep your license, higher insurance rates are a given. The only way to find the most affordable SR-22 policy is to compare
car insurance
companies, so let’s see what Elephant Insurance has to work with. Does Elephant Insurance offer SR-22 auto insurance?
An Elephant SR-22 policy will include your state’s
minimum liability insurance requirements
on top of any other requirements outlined by your DMV. If you want your vehicle to be protected beyond basic liability coverage
, you can also add collision
and comprehensive insurance
to your Elephant policy as well. For most cases, you’ll have to maintain an SR-22 filing for three years in order to keep your driving privileges. After your mandated SR-22 filing period is up, you’ll need to notify your insurer so they can remove it from your policy. Then you can either keep your policy at Elephant at a lower rate or
cancel your Elephant car insurance
completely and shop for cheaper coverage elsewhere. MORE: What’s distracted driving? (And why you should care)
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What is an SR-22 for car insurance?
When you hear talk of “SR-22 car insurance,” this isn’t referring to a specific type of coverage—it’s actually a certificate of financial responsibility filed by your insurance company to the DMV as proof that you have the state minimum insurance requirements.
SR-22s are usually required after major driving violations, like reckless driving charges,
DUI/DWI conviction
, or hit and runs. SR-22s might also be mandated if you get caught driving without a driver’s license
, driving without insurance
, or if you have caused multiple accidents.Does Elephant offer non-owner SR-22 insurance?
Yes—Elephant offers
non-owner car insurance policies
for drivers without cars who need SR-22s following a license suspension. Sometimes securing SR-22 coverage is the only way to reinstate your driving privileges, so non-owner car insurance
is essential coverage for drivers who don’t own a car.Does Elephant have FR-44 insurance?
MORE: 9 common reasons your license can be revoked
How much does an SR-22 from Elephant cost?
The cost of an SR-22 insurance policy from Elephant—or anywhere else, for that matter—will depend on a handful of factors, like the reason for the SR-22, where you live, and the coverage options you choose. Additionally, the usual factors that
determine your car insurance rates
, like your gender, age, and vehicle type, will also play a role in determining your rate. On average, drivers with SR-22 filings pay 18% more for coverage than drivers with
clean records
. On top of that, major violations on your record, like a DUI or reckless driving, could elevate your insurance rates by as much as 200% or more. Elephant SR-22 insurance isn’t often the cheapest option around, but it’s not the most expensive either. Which insurance company has the cheapest SR-22 coverage?
Elephant Insurance may offer affordable coverage for drivers with some traffic violations on their record, but with the expense of SR-22 insurance, it’s vital to compare quotes from multiple insurance companies to find the best option.
The most ideal company for you depends on your driving profile, but in general,
National General
, Travelers
, and Safeco
may offer better rates for high-risk drivers. "Sometimes I get social anxiety, so chatting on the phone can be painful. WithJerry, I just used their app and everything went amazingly well. Super simple for my first time buying.” —Daisy V.
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