Drivers who are required to file an SR-22 can get reasonably priced auto coverage from Erie Insurance with rates just 5% more on average than motorists with a perfect driving history.
If you have been court-ordered by your state to file an SR-22 after receiving a traffic citation, you’ll likely see your car insurance
rates jump up. Shopping around and comparing car insurance quotes online
can go a long way to help keep your SR-22 insurance costs down. Here’s a look at Erie Insurance’s rates for high-risk drivers that require an SR-22.
Does Erie Insurance offer SR-22 auto insurance?
Yes, Erie Insurance does offer auto coverage to high-risk motorists
and can file an SR-22 form with your state’s motor vehicle authority on your behalf. The fees to file this paperwork vary by state, but Erie typically charges somewhere between $15 and $25 to submit your forms and get your SR-22 car insurance policy started. An SR-22 policy from Erie will adhere to your state’s minimum liability car insurance requirements, as well as any additional required coverage as outlined by your state’s Department of Motor Vehicles. While liability coverage
only pays for damage that you cause to other vehicles, Erie Insurance also offers supplemental auto coverage such as collision coverage
—which pays for damage to your vehicle following an accident—and comprehensive coverage
—which covers damage to your car from theft, vandalism, and natural occurrences like hail and water damage. High-risk drivers are generally required to maintain an SR-22 filing for three years. Failure to do so may result in the revocation of your driver’s license. After the three-year period has lapsed, you can cancel your Erie Insurance policy
or continue with your coverage at a lower rate. RECOMMENDEDNo spam or unwanted phone calls · No long forms
What is an SR-22 for car insurance?
An SR-22 is a form filed by your car insurance company certifying that you meet your state’s minimum financial responsibility requirements for motorists.
You may be required to file an SR-22 by your state for a number of reasons including:
Receiving multiple driving infractions in a small window of time
Receiving a major moving violation such as a DUI
Child support delinquency
Does Erie Insurance offer non-owner SR-22 insurance?
Erie Insurance does offer non-owner car insurance
for high-risk motorists who require an SR-22 following a driver’s license suspension. If filing an SR-22 is the only way you can earn back your driving privileges, non-owner insurance is a useful option if you don’t own a car but are looking to turn over a new leaf. Non-owner car insurance is usually cheaper than regular auto coverage, too, so you might also save a little bit of money. Does Erie Insurance have FR-44 insurance?
Most states require high-risk drivers to file an SR-22, but Florida
and Virginia
require motorists with serious driving violations to file an FR-44
. An FR-44 comes with added insurance requirements above the state’s minimum liability car insurance requirements. For example, in Florida, motorists are only required to purchase property damage liability
. But, if you are required to file an FR-44 in the Sunshine State, you’ll have to add bodily injury liability
coverage in the amounts of $100,000 for single-person accidents and $300,000 for accidents involving two or more third parties. MORE: How much is car insurance for high-risk drivers in Florida?
How much does an SR-22 from Erie Insurance cost?
Erie Insurance offers very reasonable rates for SR-22 insurance policies. How much you’ll pay will hinge on the reason for your SR-22 requirement, what type of coverage you opt for, and your zip code—on top of the typical factors that affect your car insurance rates like age and gender.
Generally speaking, motorists with SR-22s pay just 5% more for auto insurance from Erie than drivers with spotless records
. However, if you have a major violation like a DUI or a reckless driving conviction, you’ll notice a significant increase in your insurance rates, to the tune of 76%. And, if you already live in a state with high minimum insurance requirements, like New Jersey
, you can expect your car insurance bills to be higher than your uncles’ and aunties’ in neighboring states. Which insurance company has the cheapest SR-22 coverage?
Erie Insurance is a great option for high-risk drivers who are required to file an SR-22. But, because your insurance rates depend on myriad factors, it is always a good idea to get quotes from other car insurance providers to make sure you’re getting the best rates possible. Companies like State Farm
, GEICO
, and Progressive
may offer the best rates for your particular situation, so do yourself the favor of shopping around before you buy. Erie Insurance is an affordable option for many drivers with traffic offenses, but the high cost of SR-22 insurance makes comparing multiple insurance quotes essential. Depending on your profile, other auto insurance companies such as GEICO, Progressive, or Nationwide
may offer better rates. “I have a really bad record, so all of my previous insurance quotes were pretty high. I started using Jerry
and the fantastic app saved me $130 a month on my insurance.” —Jett A.
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