SR-22 insurance: What is it? And how does it work?

What is SR22 insurance?

An SR-22 document simply indicates that you meet your state‘s car insurance coverage requirement for driving during a required time frame.

If you're convicted of a traffic offense like a DUI or not having auto insurance, your state may ask for proof that you're insured. However, you don't have time to wait around; you must get where you're headed. We can issue your SR-22 form immediately and let the state know you're insured—without any fees.

Who needs an SR-22?

Some states require insurance companies to provide SR-22s for certain types of risky driver behavior. These include having been convicted of DUI, reckless driving, speeding, or failing to yield at a stop sign.



  • If you drive with a suspended or revoked drivers' licence, you could be arrested.

  • Cause an accident while driving without car insuarance.

  • If you're charged repeatedly for traffic offenses, including several serious ones, then you may be eligible for an expungement.


You must meet this criterion if a judge or the DMV decides you need to obtain an SR-22 certificate. You’ll be notified either in person at your hearing or by mail.

How do you obtain an SR-22 auto insurance policy?

When buying insurance, just tell us you want to get an SR-22. We will then contact your insurer directly and ask them to issue one. They may require additional documentation before they agree to issue an SR-22.

It takes anywhere from one day to several weeks for an SR-22 to be approved by the DMV.

We can issue you an SR-22 within minutes. Most of our customers receive their SR-22s the next business day. And because we're located right here in New Jersey, we can deliver them to you without any hassle. To get a quote for low rates, fill out our online application today.

How much does SR-22 insurance cost?

We usually don't charge any additional fee when filing an SR-22 form for you. However, some companies or agencies may charge you extra charges or surcharges.

Are you able to purchase an SR-22 policy from an insurance company online?

SR22 Insurance Insurance offers auto insurance plans with an SR-22, which you can buy online. We also provide many other coverage options, including uninsured/underinsured motorist (UM) and personal injury protection (PIP).


Related Topics

Which states require SR-22s?

Each country has different SR-22 requirements for drivers, and they may be changing at any time. Contact your insurer to check if you need an SR-22 certificate before driving in their country.

When do you need to get an SR-22?

Most states require car owners to have proof of auto liability coverage for at least three years. Check with your insurer for details regarding your specific situation.

What’s so special about these two insurance forms?

If you live in Florida or Virginia, you might need to get an FR-44 instead if you don’t already own one.

An SR-22 is a document showing proof that you're insured under your auto policy. However, an SR-22 may require your liability limits to be significantly higher compared to the state's required limits.

While the length may differ, an FR-44 insurance plan is typically required for three years. You cannot cancel your FR-44 coverage while it is required.

If the SR-22 policy is cancelled, what happens next?

If your coverage lapsed, your insurer must notify the DMV. Depending on where you live, this may mean losing your driving privileges.

Paying your premium on time will help avoid having your auto insurance cancelled and prevent your insurer from filing an SR-26 with the DMV. An SR-26 removes the SR-22 with your DMV. If you don't want an SR-22 anymore, an SR-26 is also filed to get rid of the SR-22.

With the SR22 Insurance mobile application, you can create bill reminder notifications and keep your payment information updated, so you don't miss any payments.

Get an SR-22 insurance quote from SR22 Insurance Insurance Company

If you need assistance with SR-22 coverage, give us a ring at 888-290–5754 or contact us for further details.

SR-22 insurance FAQs

How do I make certain the right people learn that I have SR-22 coverage and am legally allowed to drive?

If you buy auto liability coverage from us, we’ll file it for you with the state. It may be filed electronically and on the same date as your sale.


What types of auto insurance companies offer SR-22s?


Not all auto insurance providers offer SR-22s; if you go through an agent, they'll help you choose one. If you're doing it yourself, do your homework and call insurance companies directly to see what kind of policies they cover. SR22 Insurance Insurance Company offers SR-22s as part of your policy.

What is an SR-22? Why do I need one?

If you have a good credit score and no recent traffic violations, you probably won’t need an SR-22. The main reason for needing an SR-26 is reckless behavior such as drunk or drugged drivers. Other reasons include having too much debt, getting into a car accident, or losing your driver’s permit. Your best bet is to check with your local DMV to find out whether you need one.

Yes, we can help! We know that getting your SR-22 filed can be confusing, so our team of experts is standing by to answer any questions you may have about SR-22 filings and how they affect your auto coverage. Call us today at 855-910 2254.


What is an SR-22? It's not car insurance.


An SR-22 (or SR-22) is a type of document issued by an insurer that verifies that the insured has adequate liability coverage. Your auto insurance company issues an SR-22 when they believe that you may be involved in an accident where your vehicle would be at fault.

What kind of SR-22s are there?

There are three types:


  • If you use a rental vehicle, you may be able to get an operator’s permit through your insurer.

  • Driver: A driver’s form is used by people who own and operate their own cars.

  • A rental agreement is an agreement between a renter (the person renting the vehicle) and the owner (the person who owns the vehicle).

If I don't own a car, am I eligible for an SR-22 insurance policy?

Yes. You can obtain SR-22 insurance if your auto insurance company does not offer liability coverage for vehicles you do not own. SR-22 insurance allows drivers who cannot afford to purchase full automobile liability coverage to maintain minimum coverage levels.


What is an SR-22?

An SR-22 is a document filed with your local DMV stating that you have enough insurance to cover any damages caused by accidents involving your vehicle. It doesn't actually serve as a type of insurance; instead, it shows that you meet certain requirements set forth by your jurisdiction.

What is an FR-44?

An FR-44 provides proof that a driver has active insurance that covers at least the minimum required by law. It usually includes higher amounts of protection than the minimum required by law or SR-22 minimum limits.

Do I need an insurance policy?

Not every driver requires an SR-22/ FR-44. Some states require them for specific traffic offenses. For example, California requires drivers who have had multiple convictions for DUI or reckless evasion to get one.


  • DUI convictions

  • Reckless driving

  • Uninsured drivers cause accidents


To get an SR-22/ FR-44, contact either the courts or your state motor vehicle department.

What do I need to get an SR-22/ FR-44?


  • You'll first need to obtain a free auto insurance quote from SR22 Insurance before you decide whether to enroll.

  • If you keep buying insurance, be sure to say yes when asked if you need an SR-22 certificate.

  • We will start the paperwork for an SR-22 or an FR-44 after you've made payment.


If we require any further information, we'll contact you.

Call us at 800-861-8380 for help filling out the form.

If you're already a customer, you can call us at 877-206-0225. We'll look into your coverage and get started on processing your certificate.


Are there any fees associated with an SR- 22/FR- 44?


  • Some states charge a flat rate for each service, whereas some require an additional charge per service.

  • You must pay a one-time filing charge each year, but you won't be charged any additional fees unless your insurance lapses.

  • If you're married and want to get an SR-22/ FR-44, there's a $25 per person charge.


Please note: The filing fee is not included in our price quote because the filing fee varies from case to case. We will provide you with the filing fee when we receive payment for your case.

What is the validity period for an SR-22/FR 44?

You need to keep your SR-22/FR 44 up to date at all times. If your insurance policy ends, we are required to inform the appropriate state agencies. If you stop maintaining continuous coverage, you may risk losing your driver’s license.

Depending on where you live, the Certificate of Financial Responsibili­ty form is called either an SR-22 (in states which require one) or an FR-44 (in states which don't).

What is an SR-22?

A certificate of financial responsibility (CFR) is not a type of coverage but instead a simple-to-obtain government-issued paper stating that you're insured for certain amounts. It's often referred to as an SR-22 because it was once called a Certificate of Financial Responsibility.

Do I need an insurance policy?

A SR-22 is an insurance document required when registering a vehicle in some states. You'll usually get one if you're registering a car in California or New York, but not necessarily elsewhere.

You don't need an SR-22 for every reason. Some people may not need one at all.


  • DUI or DWI conviction

  • Driving without enough insurance

  • Too many at fault car crashes or traffic violations

  • If you get caught speeding repeatedly within a short period of time, you may be facing serious consequences.

  • Not paying court-mandated child support

  • Temporary license (usually given out when your driver’s license has been suspended or if you’re not allowed to drive due to an accident).


Are they the same thing?

A driver’s license suspension (DLS) is usually required following a DWI or DUI arrest. However, if you live in Florida or Virginia, there may be another option for you.

Here’s an example: If you live in Virginia, the state requires drivers to carry at least $25,000 ($50,000 if you own a car) worth of personal automobile liability

How do you get an SR-22?

You don't need to go through any hassle if your car insurer provides an SR-22 filing service. Simply call them up and ask for their assistance. They'll add the endorsement to your existing policy, and then file the SR 22 document with the appropriate authorities.

You may not be able to get auto liability cover if you don't have auto liability cover or if your existing insurer doesn't provide SR-22s. So, before starting out, it's best to let potential insurers known that you're looking for SR-22s.

If I need an SR-22, where am I going to get one from?

There shouldn't be any issue filing an SR-22 in another state. You may need to wait for some time before you can get back into California though.

If I need an SR- 22 and don't have a vehicle, I can get one from any auto lender.

If you're interested in buying car coverage, call our office today at (866) 749-7436. We'll refer you to an auto insurer who specializes in writing policies for people without vehicles. They may be able to help you get a policy regardless of whether you own a car or not.

Read more about non-owner auto insurance.


What does an SR-22 insurance cost?

An SR-22 is an inexpensive auto insurance product that covers drivers who do not own any vehicles. They're often used to cover drivers who have had their license suspended due to a DUI conviction. To get an SR-22, you must submit proof of financial responsibility. Your insurer can then verify your driving record and determine if you qualify for an SR-22. Depending on where you live, you might have to pay a small fee to obtain an SR-22 certificate.

What effect will an SR-22 filing have on the cost of my car coverage?

Because some insurers consider SR-22/SR-22 insureds as high risk, their rates may go up. However, the increase will depend on your zip, vehicle type, driving record, and other factors.

How do I know if my SR-22 is expired?

You'll need to contact your local DMV to see if you must renew your SR-22 insurance every year.

What steps must I take to remove an SR-22 from my record?

An SR-22 doesn't automatically fall off your car's registration once it's no longer required. You'll have to contact your state's Department of Motor Vehicles (DMV) to request removal of the SR-22 from the DMV database. Once the SR-22 is deleted, it's possible your auto insurer may lower your premium. However, this is not guaranteed. If your vehicle is cancelled or lapses during the period you were driving under an SR-22, the DMV will notify your auto insurer and your driver's license will be suspended.

What are some ways to get an SR- 22 with SR22 insurance?

SR22 insurance can be obtained quickly and easily, regardless if the driver is new or not. We offer our services to both new and old clients. You may contact us by phone (1-866-749 7436) or email ( Either way, we’ll help you obtain the SR22 coverage you need.

SR-22 insurance protects drivers

What is an SR-22?

A SR-22 is a document that shows your car insurance company that you meet your states' minimum auto liability insurance requirement. It may also be called a certificate of financial responsibility (CFR), or an FR-44 in some states.

People may mistakenly call it an SR-22 when they really mean SR-22. It's not actually an SR-22; it's just a document provided by your auto insurer that shows you have liability coverage on the vehicle.

Who needs an SR-22?

Some states require motorists to obtain SR-22 forms from their insurance companies when they renew their policies. These forms must be filed if the driver has been involved in any accidents within the past three years.


  • Conviction for DUI or DWI

  • Serious and/or repeated offenses

  • A car accident without any liability coverage

  • License suspension or revocation


Because SR-22s are required for these types of crimes, they usually result in a surcharge on car owners' auto policies.

How long do you have to keep your SR-22?

Depending on where you live, SR-22 insurance may be required for vehicles registered in certain states. Here are some general guidelines to keep in…


  • You'll probably need to have an SR-22 showing continuous insurance cover­age for at least three years (or longer in some cases) if you're going to get a loan from a bank.

  • If your policy lapsed or expired during this period, your insurer must inform the relevant authorities.

  • If you fail to follow the terms of your SR-22, you could face suspension of your driver’s license.

  • Once you've fulfilled your states' time requirements for reinstatement, your SR-22 insurance status is usually lifted.


If I Don't Own A Car, Do I Still Need To File An SR-22?

A: If you do not own a vehicle, you might still be subject to having an SR-22 Certificate and SR-22 Auto Insurance if you borrow one. If you drive a rented vehicle or lease a vehicle and incur an automobile collision, you can still be held responsible for any resulting injuries or damages. In addition, you may be able to purchase a non-owner SR 22 insurance coverage. If your driver’s licence was revoked, in some instances you may even be forced to obtain a non-owner SR22 in order to regain your driving privilege.

You may need to file an SR-6 if you're required to file an SR-22. To get the necessary forms from your insurance company, call them up and ask them to send you copies.

To get more info about getting an SR-22, contact your insurance agent.

SR-22 Insurance

Which one is better for me?

SR22 Insurance Services provides customers with the quickest, easiest, most affordable way to get their drivers license reinstated.

You don't need to look any further because we provide same-day insurance certificate service at the lowest cost. Just visit our "Get a Quote" page and we will send you an email with the best possible rate for your insurance certificate.

We'll file an SR-22 form online free of cost with the DMV. It will take just a few minutes and you'll be able to drive again right away.

Who needs SR-22 Insurance?

Drivers who have had their driver’s license revoked must file an SR 22 insurance certificate with the Department of Public Safety within two (2) year(s).

A Certificate of Liabili­ty (SR-22) is a document issued by an auto insurer showing proof of automobile insurability. It is used to prove financial responsibility when driving a car.

You don't need to own a vehicle in order to purchase SR-22 insurance. We provide non-owner SR-22 insurance for people who do not own vehicles.

When an insurance company reports cancellation, termination, or lapse of coverage, they must notify the DMV within 30 days. If there isn't a current SR-22 on record, the driver's license and vehicle registrations could be temporarily revoked until a new SR-22 is filed. A new SR-22 and a reinstatement fee would then need to be paid before the license and registrations can be reinstated.

If you're involved in an accident, conviction, or judgment, financial responsibility may be required. For example, if you

Currently, minimum liability insurance amounts are $25,00 for bodily injuries to or death of one individual in one car crash; $50,000 per person for bodily injuries to or deaths of two or more people in one car crash; and $25,000 for damages to or loss of property of others in a single car crash.


Steps for filing an SR22 with the DMV office

Here are three easy steps to submit an SR22 form for free.

Step one. Contact an insurance agency to obtain a SR-22 certificate for your vehicle.

Step two. Filing for an MVA (Motor Vehicle Accident) report requires that you provide a copy of the report to the DMV via phone at 1-800-822-9393, or by mail in a letter.

Step 3. Wait until the DMV has processed your application and then visit the Driver License Eligibility page to confirm that your DL is eligible to be renewed.

You must keep the SR-22 insurance policy for two years after you sell the vehicle.

SR-22 Insurance

If you need to file an SR-22 form, you may be wondering if there are any important things you need to know before doing so. We're here to help!

Get a free quote now!

SR-22 Insurance Basics

An SR-22 filing isn't really insurance; it's a "certificate of insurabil­ity" (sometimes called an SR-22) which is often required for people who drive high-risk vehicles.

If you're convicted of a DUI or your driving privileges have been suspended or revoked, or you've accumulated too many traffic violations in too short of a period of time, you may need SR-22 coverage. Also, it's typically required if you were at fault in an accident while driving uninsured. Without an SR‑20 filing, there's likely no way to get your driving privileges back or your vehicle registered again.

If you don't carry enough auto liability coverage, your insurer may file an SR‑26 form with the DMV.

An SR-22 is required by law if you're involved in an accident or receive a traffic citation. But if you don't renew your car liability coverage within 30 days after receiving notice from your insurer that you need to file an SR-22, your driving privileges may be suspended. And because of the way the federal government defines "filed," you could lose your driver's license even if you haven't actually completed the paperwork yet.

SR-22 Insurance Quotes

Most auto insurers don’t offer services related to SR-22 files. If you need one, contact us at We’ll be happy to assist you.

We strive to provide reliable, affordable SR-22 insurance coverage for our clients.

If you need insurance for your car, SR-22 Insurance can help you.

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SR-22 Filing Requirement Lengths

It depends on your specific situation. Most drivers will be required to file an SR-22 insurance report for at least 3 year(s). Under certain circumstances, SR-22 reports may be filed for up to 5 year(s) or more.

If you're from an area where the time for starting the clock on your SR-22 requirements begins on the date of the accident, then you'll need to contact your insurer within 30 days after the accident. However, if you're from an area that requires the clock to start ticking at the time of the incident, then you'll need contact your insurer by the end of the month following the accident.


  • Conviction date

  • License suspension date

  • License reinstatement date


Not all states require a SR-22 insurance report after a traffic violation. When moving to another state, you may not need to get an SR-22 insurance report if your new home requires only a minimal level of auto insurance. However, if you move to a state that requires a higher level of auto insurance, you'll need to get an SR-22 insurance report before you can register your vehicle in the new state. You will also need to notify the DMV about any changes in your address.

Filing an SR-22

Usually, your insurer will handle your SR-22 filing for you. However, if your insurer isn't registered in a specific jurisdiction, you'll need to submit your SR-22 form to that jurisdiction's DMV. We've included the contact info for all 50 states below.

At SR22 Insurance we're here to help you get an SR-22 insurance policy, and ensure that your SR-22 filings meet state requirements and are filed correctly.

Cost of an SR-22

You may be charged an additional $25 for the SR-22 insurance, depending on where you live.

However, even though SR-22 fees may be relatively inexpensive at first, they tend to increase over time. That’s because the violation for which you filed an SR-22 was considered when calculating your rates. Once you no longer need to file an SR‑ 22, and that violation has been removed from your driving history, your insurance rates should decrease over time.

Checking Your SR-22 Status

You can either contact our toll-free number at 844-328-0307 or visit your local DMV for assistance. We're always happy to help!

SR-22 insurance filings from SR22 insurance

Our team can help you get started with your auto insurance coverage today! Just fill out our short application below and we'll send you a copy of your SR-22 certificate within minutes. And if you're looking for cheap car insurance rates, you've come to the right place - we offer competitive prices and top rated customer service.

**Please be aware that SR-22 filings must be made in the state where your vehicle was registered at the time of the accident.

SR-22 Contact Information

Find your state below:

Alabama Motor Vehicle Division

(334) 242-9000

Alaskan DMV


Arizona Department of Transportation


Arkansas Office of Motor Vehicle

(501) 682-4692

California DMV

(916) 657-6677

Colorado Division of Motor Vehicles

(303) 205-5613

DMV (Department of Motor Vehicles)


  • If you're looking for an experienced and reliable locksmith company in Hartford area and outside

  • Elsewhere in Connecticut(800) 842-8222


DMV - Delaware Division of Motor Vehicles

(302) 744-2500

Florida Department of Highway Traffic Safety and Motor Vehicle Administration

(850) 922-9000

Georgia Department of Motor Vehicle Safety

(678) 413-8400

Idaho Transportation Department

(208) 334-8000

Illinois Department of Driver Services

(227) 782-3720

Indiana BMV

(317) 232-2840

Iowa Department of Transportation

(515) 239-1101

Kansas Driver Control Bureau

(785) 296-3671

Louisiana Office of Motor Vehicles

(877) 368-5463

Maine Bureau of Motor Vehicles

(207) 624-9000

Maryland Department of Transportation

(410) 768-7000

Minnesota Department of Public Safety

(651) 296-6911

Missouri Department of Revenue

(573) 526-2407

Mississippi Department of Public Safety

(601) 987-1222

Montana Vehicle Division

(406) 444-3933

New Hampshire DMV

(603) 227-4000

Nebraskan DMV

(402) 471-2281

Nevada DMV

(800) 344-0483

New Mexico Department of Highways (DOT)

(505) 827-5100

North Carolina Department of Transportation

(919) 715-7000

North Dakota DMV

(701) 282-5070

Ohio Bureau of Motor Vehicles

(614) 752-7700

Oklahoma Department of Public Safety

(405) 425-2820

Oregon DMV

(503) 945-5001


(800) 932-4600


(401) 462-4368


(803) 896-5000

South Dakota Department of Transportation

(605) 773-3541

Tennessee Department of Safety

(615) 741-3954

Texas Department of Public Service

(512) 424-2600

Utah Department of Motor Vehicles

1-800-DMV-UTAH (800-368-8824)

Vermont DMV

1-888 99-VERMONT (888-998-3766)

DMV (Department of Motor Vehicles)

(866) 368-5463

Washington Department of Licensing

(360) 902-3900

Washington DC DMV

(202) 737-4404


(304) 926-3499

Wisconsin Department of Transportation

(608) 266-2353

Wyoming Department of Transportation

(307) 777-4375


Frequently Asked Questions

What is SR-22 car insurance?

A Certificate of Financial Responsibility (CFR) is not actually car coverage; it’ s a document proving the person has enough liability coverage to pay any judgment against them if they cause damage to another vehicle or property. Most states require a CFR for three years after a conviction, though some states allow up to five years.

However, some states don't require SR-22 insurance. If you're unsure whether you need an SR-22 form, contact your state DMV for further details.

If you're looking for affordable car insurance rates, check out SR22 Insurance. We specialize in helping people get their SR-22 forms filed so they can keep driving without worrying about losing their license.

What purpose does an SR-22 serve?

If the state requires it, people who have certain driving offenses on their records must get SR-22 auto insurance coverage. Those offenses include: speeding, reckless driving, DUI, etc.


  • Multiple traffic violations

  • Serious traffic offense

  • Driving when your driver’s licence or vehicle registration has been revoked or suspended

  • Conviction for driving under the influence

  • A car accident where the person who caused the accident doesn't have insurance


You may be required by law to obtain SR-22 coverage if you want to keep your driver’s licence. If you fail to get SR-22 coverage, you risk losing your driving privileges.

If they don't drive for three years, they'll be required to file an SR-22 form before driving again. Since each individual states' laws vary, contact your DMV for specific details on SR-22 requirements in your particular jurisdiction.

What kind of insurance do I need for an SR-22 loan?

You must purchase full auto liability and collision/comprehensive coverages before filing an SR-22. These policies protect against any damages caused by accidents or incidents outside of the policyholder’s control. They also pay to fix the vehicle if it’s damaged by events such as fire, theft, vandalism, falling objects, animals, and collisions with other vehicles. Comprehensive covers property loss, including things like broken windows and stolen items inside the vehicle. Liability protects you from being sued for injuries sustained by someone else. For example, if you injure another person in an automobile crash, they could sue you for medical expenses and lost wages. If you cause injury to yourself, you may be able to collect compensation from your own insurer.

The law requires you to carry certain minimum levels of automobile coverage. In order to legally drive, you must meet these requirements. Even though you might not normally cover the cost of damage to your vehicle, you must do so if you want to continue driving. If you lease your vehicle, you'll likely be required to pay extra for additional coverage. Your lender or leasing company might also require you to obtain additional coverage.

An SR-22 insurance covers the following:1) Losses caused

An SR-22 filing is an important document because it lets the state know that you've met the legal requirements for auto coverage. But what does it actually mean? Essentially, it means that you've purchased enough car coverage to protect yourself against financial loss due to accidents involving uninsured motorists.

The amount of money that must be paid varies depending on the type of insurance policy. Some policies require monthly payments, others only one payment per year. Some policies cover only accidents that occur within a specific period of days after the policy was purchased. Others pay out regardless of how far into the future the accident occurs.

Regular auto coverage versus SR-22 coverage.

The SR-22 Form isn't actually your auto policy; it's just an additional requirement for your vehicle registration. You purchase regular auto coverage as normal, and the SR‑ 22 form is filed by your insurer to the DMV on your behalves.

If you want to be able to drive legally again, you need to file for an SR-22 certificate from your auto insurer. Otherwise, you won't be allowed to drive until you've filed for a new policy.

When you purchase automobile liability protection from SR22Insure, the SR-22 forms are provided with your new vehicle policies after buying them online. In just a couple of moments, you'll get an estimate for your SR-22 premium along with your new vehicle coverage. Get your SR-22 approved within 12 hours. Apply for your new coverage and pay for it in one place. Use our mobile app to find out how much you could save today!

What’s the price for an SR-22 policy each month?

You can expect to spend around $25 annually to file your SR-22. SR-22 auto coverage includes this cost in your premium. When you need an sr-22 certification, it isn’ t the fee that increases your rate – it’ s what violation caused the SR‑ 22 requirement. On the bright note, when you no longer possess that violation on your driver’ s license, your auto policies may drop. Companies such as SR22 Auto Coverage will keep on with your plan after your SR-22 vehicle registration compliance is finished.

How much does SR-22 insurance increase your car insurance rate?

Depending on the offense, the state, and the insurance company, the increase in premiums can be anywhere from $1,000 to $2,500 per year. However, in most cases, rates go up somewhere between 70 and 80 percent.

How can I get cheap SR-22 insurance?

To get an SR-22 form from the DMV, you must be deemed a high risk by the insurer. So look for an auto insurer who specializes in insuring high-risk drivers, such as SR-22 Insurers.

If you're paying too high a premium for auto insurance because of a violation, you may be able to save some cash by purchasing a cheaper vehicle without the necessary coverages. But, if the vehicle isn't insured at all, make sure you can afford replacing it if an accident occurs.

Another way to save money on your car insurance is to opt for a higher deductible. When you choose a higher deductible, you’ll be able to drive without worrying about paying any extra costs. However, you’ll have more out-of-pockets expenses if you need to file a claim.