{"id":801,"date":"2022-06-21T18:47:41","date_gmt":"2022-06-21T18:47:41","guid":{"rendered":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/?p=801"},"modified":"2025-02-21T16:32:20","modified_gmt":"2025-02-21T16:32:20","slug":"why-its-difficult-to-find-sr-22-insurance","status":"publish","type":"post","link":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/sr-22-tips\/why-its-difficult-to-find-sr-22-insurance\/","title":{"rendered":"Why It Can Be Difficult to Find SR-22 Insurance\u00a0"},"content":{"rendered":"
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What if you suddenly had trouble finding car insurance?<\/p>\n

This happens to many drivers who must file an SR-22<\/a> with the state. As soon as that SR-22 is required, drivers may get dropped from their current insurance. After that, they may have difficulty finding new insurance coverage.<\/p>\n

But why do drivers have such difficulty getting SR-22 insurance? More importantly, what can they do about it? We\u2019ve got the answers you need!<\/p>\n

Why Does a Driver Usually Have to File an SR22?<\/h2>\n

The most common reason drivers must file an SR-22 is that they were convicted of a DUI<\/a> or DWI. Drivers may also have to file an SR22 with the state if they have many driving offenses, cause an accident without having insurance, didn\u2019t pay child support, and other reasons as determined by the state.<\/p>\n

Aside from not paying child support, all of the other reasons for having to file an SR-22 involve risky driving behaviors. This plays a direct role in why you may have trouble finding car insurance after getting an SR-22.<\/p>\n

Why Do Certain Companies Not Offer Car Insurance If You Have an SR-22?<\/h2>\n

How risky a driver is perceived to be is how car insurance companies set insurance premiums. Once someone has an SR-22 on file, they may be considered too much of a risk for a carrier to insure.<\/p>\n

Ultimately, insurance companies are interested in making a profit from their customers. As a result, they set premiums based on different factors, and a major part of that is the person\u2019s driving record. Someone with a history of risky driving<\/a> is going to have to pay a higher premium.<\/p>\n

With the need to file an SR-22, there is state documentation that you are considered a risky driver. Since the SR-22 is most commonly given to drivers with DUI or DWI convictions, an insurance carrier may think you are too much of a risk to insure.<\/p>\n

If I Get Car Insurance, Will It Be Expensive?<\/h2>\n

After getting an SR-22, your insurance premium will become much more expensive. For example, DUI drivers who get an SR-22 pay 89% more<\/a> than they did before getting the SR-22.<\/p>\n

This is due to the same reasons we mentioned before: In the eyes of the insurance company, you are a well-documented risk on the road. Some companies may refuse to insure you altogether. Those who do offer insurance are going to set their prices accordingly.<\/p>\n

Fortunately, our guide will walk you through some ways to lower your premium as well as find the most affordable car insurance that is available.<\/p>\n

How Long Will I Have to Have the SR22 on File?<\/h2>\n

The most common length of time the SR-22 is required is three years<\/a>. In some cases, though, it may be required for as little as one year or as many as five years.<\/p>\n

It\u2019s important to check on how long the SR22 will be required. Remember: If you should ever let your insurance lapse, it effectively restarts your SR-22 counter!<\/p>\n<\/div>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\n

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Find Cheap SR-22 Auto Insurance Quotes<\/h2>\r\n
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