How to Get Affordable SR-22 Insurance After a DUI

SR-22 insurance is not a separate policy but rather a certificate that your insurance company files with the state to confirm that you have the minimum required coverage. This certificate is typically required for a specified period—often three years—depending on state regulations and the severity of the offense.

The cost of SR-22-compliant insurance can be higher than standard auto insurance due to the increased risk associated with drivers who need this certification. However, there are strategies to help you find more affordable options.

Shop Around for the Best Rates

One of the most effective ways to find affordable auto insurance is to shop around and compare rates from different insurance providers. Each company has its own criteria for determining premiums, so obtaining quotes from multiple insurers can help you identify the best deal. Be sure to provide accurate information about your driving history and the specifics of your DUI conviction to get precise quotes.

An agent who specializes in high-risk policies can offer valuable insights. They may also have access to discounts or special programs that can lower your premiums.

Consider Policy Adjustments

Adjusting your policy can also help make SR-22-compliant insurance more affordable. Opting for higher deductibles can lower your monthly premiums, although you will pay more out-of-pocket in case of a claim. Evaluate your financial situation to determine the best deductible amount for you.

Explore Discounts and Programs

Many insurance companies offer discounts that can help lower your insurance costs. These may include discounts for bundling multiple policies, such as auto and home insurance.

Some states have programs designed to assist high-risk drivers in obtaining affordable insurance. Research any state-specific initiatives that may apply to your situation and consider enrolling if eligible.

Contact Us

Contact GD Tax & Insurance to compare SR-22-compliant auto insurance quotes.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.