Military members looking for a car insurance company that can handline filing their SR-22 form need to look no further than USAA. Though you can expect to pay about 18% more for coverage as a high-risk driver, USAA may still be a good choice since they specialize in car insurance for active duty military, veterans, and their family members.

Your state’s DMV might require you to file an SR-22 form after receiving a serious moving violation. Before you can get back on the road, you’ll need to file the form and provide the state with proof of car insurance. You can exspect to have higher rates for a few years, but that doesn’t mean you should accept the first policy you’re offered. Here’s what you need to know about USAA’s offerings for drivers subject to SR-22 requirements.

MORE:

USAA car insurance quotes

Compare insurance quotes from 50+ carriers with Jerry in under 45 seconds (Title in payload)

Find Savings!

4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars

4.7/5 app rating | Trusted by 5M+ drivers

Does USAA offer SR-22 auto insurance?

Yes. USAA can file an SR-22 form for you. The filing fee is approximately $25, depending on your state.

An SR-22 form is not the same as an insurance policy. It’s a certification of financial responsibility that high-risk drivers must file to get car insurance and legally be allowed to drive. If you are required to file an SR-22, then you need a car insurance policy that meets your

state’s minimum liability insurance requirements

. Optionally, you can add

collision

and

comprehensive insurance

to your

liability coverage

SR-22 filing may be required for up to three years or more, depending on the situation. Once you are no longer obligated to file an SR-22, it is the perfect time to compare premiums with other insurance companies to ensure that you are getting the best possible rate. You can either

cancel USAA car insurance

or you remove the SR-22 and stay with USAA if they still have the best price.

MORE:

Is USAA SafePilot worth it?

What is an SR-22 for car insurance?

An SR-22 is a form that demonstrates a driver’s financial responsibility. Filing this form is a requirement for high-risk drivers who have committed an extreme traffic violation—and it’s a prerequisite for getting car insurance.

Here are some common reasons that a driver may need to file an SR-22:

You received multiple tickets within a short period of time.

You were convicted of a

DUI or DWI

You were caught

driving without a license

You were caught

driving without insurance

Three years is the average SR-22 filing requirement for traffic violations, but the range is between one and five years.

To file an SR-22, you must find a car insurance company (like USAA) that will file this form on your behalf—not all companies accept high risk drivers or have SR-22 filing capabilities.

MORE:

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

Does USAA offer non-owner SR-22 insurance?

Yes. If you don’t have your own car, but you still need to drive, then you can buy

non-owner car insurance

from USAA along with asking USAA to file the SR-22 for you.

This type of policy can help you save money while still enjoying essential coverage whenever you get behind the wheel of a car.

Does USAA have FR-44 insurance?

Yes.

FR-44

is similar to SR-22, but it’s a form that is used in

Florida

and

Virginia

for extremely high-risk drivers. USAA can file FR-44 forms as well as SR-22 forms.

Be aware that an FR-44 compels you to carry more than the minimum state level of coverage. With an FR-44, you can expect to pay more for coverage than you might otherwise—and this applies to all car insurance companies, not just USAA..

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

How much does an SR-22 from USAA cost?

The SR-22 itself is usually a flat fee (typically around $25) charged annually or every six months depending on the length of your policy contract. .

Since your car insurance premium is calculated based on factors like your age, zip code, gender, driving history, and how much coverage you need,you will pay more for coverage than a similar driver with a

clean driving record

The reason you need an SR-22 also matters. For instance, drivers with a DUI conviction can expect to pay a lot more than drivers with a few speeding tickets.

Which insurance company has the cheapest SR-22 coverage?

USAA is a good option for affordable SR-22 coverage, but USAA membership is limited to military families. Even for these drivers, USAA may not offer the best rate. Shop around with other companies like

GEICO

and

Progressive

to find the cheapest premium for your driver profile.

MORE:

Is the Jerry app legit?

“I was tired of looking around multiple websites, so I decided to give
Jerry
a try. Let me tell you—the process is so easy and simple, and they really find you the best prices for your coverage level. Getting insurance for my new car was quick and easy!” —Joanna D.

RECOMMENDED