Does The General Have SR-22 Insurance?
The General has cheaper-than-average SR-22 insurance and specializes in providing high-risk drivers with affordable auto insurance policies.
Written by Andrew Biro
Reviewed by Kathleen Flear
While they may not be the cheapest company to purchase
SR-22 insurance
from, The General also isn’t the most expensive—and seeing as The General specializes in high-risk drivers, it’s worth getting a quote from them.Most
car insurance
companies provide SR-22 insurance, but not all insurance companies provide cheap SR-22 insurance—and figuring out which ones do can be a hassle. That’s why we’ve put together the following article on whether or not The General offers cheap SR-22 insurance in comparison to other auto insurance providers.Compare insurance quotes from 50+ carriers with Jerry in under 45 seconds (Title in payload)
4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversDoes The General offer SR-22 insurance?
Yes—The General does provide SR-22 insurance and will submit your SR-22 to the Department of Motor Vehicles in your state (DMV). In general, you can expect the filing itself to cost somewhere between $15 and $25, after which your new auto insurance policy will go into effect.
An SR-22 policy from The General will always include the
minimum liability insurance
mandated by your state. If desired, you can even purchase additional coverage—such as collision
or comprehensive coverage
—as The General does not bar SR-22 filers from purchasing full coverage auto insurance.In most cases, an SR-22 must be held for a period of at least three years—failure to do so may result in the loss of driving privileges or even a complete license suspension. Once the court-ordered SR-22 period has passed, you may cancel your policy with The General or keep paying for it at a reduced cost.
What is an SR-22 for car insurance?
Contrary to popular belief, an SR-22 isn’t actually a type of insurance—rather, an SR-22 is a policy add-on demonstrating proof of financial responsibility. This indicates that the policyholder meets the minimum car insurance requirements for their state.
An SR-22 is typically issued to
high-risk drivers
who have been found driving without insurance or who have been found guilty of a serious moving offense, such as reckless driving. Does The General offer non-owner SR-22 insurance?
Yes—if you have been ordered to obtain an SR-22 but do not actually own the vehicle you normally drive, you will need to purchase
non-owner car insurance
, which The General offers.Does The General have FR-44 insurance?
What is an FR-44, you ask? In the fundamental sense, an FR-44 is a form that proves the policyholder meets their state's minimum insurance requirements—similar to an SR-22, it is not actually insurance. If you have been found guilty of a
DUI or DWI
, you may need to submit an FR-44 in order to get your license reinstated.You will, at least, if you reside in
Virginia
or Florida
, the only two states that—as of 2023—continue to distinguish between "severe" and "minor" traffic infractions using FR-44s. You will still need to file an SR-22 if you have been found guilty of a traffic offense in Florida or Virginia other than a DUI/DWI.How much does an SR-22 from The General cost?
It varies. The General—like all insurance providers—determines potential policyholders' rates based on a unique set of variables (e.g. driving record, marriage status, age, and so on), so no two people will pay the exact same premium.
What you can expect, however, is that regardless of who you purchase your car insurance from, your rates will increase if you are ordered to file an SR-22—not because of the SR-22 itself, but because you’ll be considered a high-risk driver.
Fortunately, The General specializes in providing high-risk drivers with cheaper-than-average insurance policies. To put that in perspective, the average high-risk driver pays 25% more for their auto insurance than a driver with a clean record—in all likelihood, your rates will see a below-25% increase if you do business with The General.
Which insurance company has the cheapest SR-22 coverage?
Of course, that doesn’t necessarily mean The General has the cheapest SR-22 coverage on the market—each insurance provider determines its prices based on a unique set of variables, so you may find another company (e.g. Farmers, Allstate, Progressive, etc.) offering the exact same coverage for a lower rate.
Because of this, it’s a good idea to compare at least three to five insurance quotes before choosing a policy—it’s also a good idea to find out what sort of discounts each company offers and whether or not you qualify for them.
MORE: How to fill out and file an SR-22
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