Non-Owner SR-22 With a Suspended License
You can buy a non-owner SR-22 policy while your license is suspended. In most states, having the SR-22 on file is a required step before the DMV will reinstate you.
Why buy it while suspended?
- Reinstatement requires it. Most states will not reinstate until the SR-22 is on file.
- The clock may start sooner. In some states, the SR-22 period counts from the filing date.
- It avoids a coverage gap. Continuous insurance history lowers what you pay later.
Common reasons for suspension that require an SR-22
- DUI or DWI, or refusing a chemical test
- Driving without insurance, or an uninsured accident
- Too many points in a short period
- Unpaid judgments from an accident
- Driving while suspended
- Reckless driving or serious violations
Reinstatement checklist
- Find out exactly what the DMV requires. Many states offer an online license status lookup.
- Complete the suspension period or apply for a hardship license.
- Buy a non-owner SR-22 policy, and the insurer files the form.
- Finish any classes, evaluations or interlock requirements.
- Pay the reinstatement fee and any outstanding fines.
- Confirm that your license shows as "valid" before you drive.
Will an insurer sell me a policy if my license is suspended?
Many high-risk carriers will, specifically so that you can reinstate. Some require that your license be eligible for reinstatement.
Do I need an SR-22 for a hardship or restricted license?
In many states, yes. The SR-22 is often a condition of a restricted license.