Liberty Mutual does offer SR-22 insurance coverage options, but SR-22 drivers will typically pay rates up to 133% higher than drivers with a clean record.

Written by Liz Jenson

Reviewed by Christelle Agustin

Updated on Mar 23, 2023

Table of Contents

Does Liberty Mutual offer SR-22 auto insurance?
How much does an SR-22 from Liberty Mutual cost?

Drivers filing an SR-22 through Liberty Mutual will face rates 133% higher than those with a clean driving record.

SR-22 insurance is typically more expensive than classic insurance, but actual rates vary from insurer to insurer. With that being said, comparing

car insurance

companies before you buy can help you lower the cost of SR-22 insurance. While Liberty Mutual might be a great option for you, it’s important to explore other insurers and their rates to get the best deal on your SR-22.

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Your guide to Liberty Mutual car insurance

Does Liberty Mutual offer SR-22 auto insurance?

Absolutely! Liberty Mutual offers SR-22 insurance to high-risk drivers and will even help you file an SR-22 form for a small fee of $15 to $25. This fee is in addition to your state’s filing fee, which could be anywhere from $25 to $50.

If you’d like to supplement your

liability car insurance

with

collision

and

comprehensive insurance

, you can also do so through Liberty Mutual. This is a good idea for high-risk drivers who own expensive vehicles, as the minimum required insurance is unlikely to cover the cost of damages and repairs to your vehicle.

Keep in mind that if you decide to purchase additional coverage for your SR-22, your insurance will be more expensive. This is especially true if you have a serious driving offense on your record.

Most states will require you to maintain SR-22 coverage for three years, after which you can cancel your SR-22 policy and find a cheaper option.

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What is a high-risk driver?

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What is an SR-22 for car insurance?

SR-22 insurance isn’t a specific type of insurance, but rather a requirement for car insurance issued by the DMV. An SR-22 form confirms that you’ve met your state’s minimum insurance requirements and that you are financially responsible for that insurance coverage.

An SR-22 will often be issued after a serious driving offense, like a

DUI

/DWI conviction, reckless driving charge, or if you have numerous at-fault car accidents on your driving record. However, you may also need an SR-22 if you’re caught driving

without a license

or auto insurance.

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

Does Liberty Mutual offer non-owner SR-22 insurance?

Yes, Liberty Mutual offers

non-owner car insurance

for SR-22 holders.

This type of insurance is for drivers who do not own a vehicle, but who still wish to legally drive.

Does Liberty Mutual have FR-44 insurance?

Most states will require an SR-22 for high-risk drivers, but

Florida

and

Virginia

use something called an

FR-44

for the most serious driving violations.

If you need to file an FR-44, you’ll have additional coverage requirements. In Florida, for instance, most drivers don’t need to purchase

bodily injury liability

—only

property damage liability

. But for FR-44 insurance policies, drivers must also carry at least $100,000 per person and $300,000 per accident of bodily injury liability coverage.

MORE: How much is car insurance for high-risk drivers in Florida?

How much does an SR-22 from Liberty Mutual cost?

On average, the monthly premiums for Liberty Mutual drivers with an SR-22 will be 133% higher than those for drivers with

clean driving records

However, it’s important to keep in mind that major traffic violations like DUIs can raise your car insurance rates significantly—sometimes by 200% or more. Additionally, if you live in a state like

Michigan

with high minimum coverage requirements, you’ll have to pay more for minimum car insurance coverage.

Which insurance company has the cheapest SR-22 coverage?

Buying SR-22 insurance from Liberty Mutual could be a great option for you but, depending on your profile, other auto insurance companies such as

GEICO

Progressive

, or

Nationwide

may offer competitive rates. As such, it’s a good idea to shop around and get a few different quotes before settling on one insurance provider.

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Is the Jerry app legit?

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Jerry
through a podcast and decided to try it out. My 2008 Range Rover Sport was costing me $168/month before Jerry found me the exact same coverage for $84/month under Plymouth Rock. I’ll definitely keep shopping for insurance with Jerry.” —Eileen P.

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