SR-22 After Driving Without Insurance

Driving uninsured is one of the most common reasons that states order an SR-22. If the car was someone else's, or if you sold it, a non-owner SR-22 meets the requirement for less money.

Why the state wants an SR-22

After an uninsured violation, the state wants ongoing proof that you will stay insured. The SR-22 makes your insurer report to the state if your coverage ever stops.

Typical penalties for driving uninsured

Fines that often range from a few hundred to a few thousand dollars
License and registration suspension
An SR-22 requirement, often for three years
Vehicle impoundment in some states

Good news on price

A lapse or uninsured violation usually raises rates less than a DUI. Many drivers in this situation pay about $35 to $65 a month for a non-owner SR-22.

I was driving a friend's uninsured car. Do I need an SR-22?

If the state or court ordered one, yes. A non-owner policy is usually the right fit because you do not own the car.

Will an uninsured accident make it worse?

Yes. An uninsured accident can bring a judgment against you, a longer suspension and a higher premium. Some states require you to pay or settle the damages before reinstatement.