The insurance policy and the SR-22 must remain in effect for three years. If, for any reason, your policy is no longer in effect, the insurance carrier is REQUIRED to notify your state licensing authority (DMV, DPS, DOL, etc.) and your license may be suspended automatically! Remember, the insurance company that issued your SR-22 is required to notify the state if your SR-22 insurance cancels for any reason. If you have not provided the state with a new SR-22 certificate, the state will assume you are no longer in compliance with the law, and will suspend your legal driving privileges.
How Does a DUI Affect SR22 Insurance Rates?
Your insurance rates are determined by many factors: age, marital status, driving experience, driving history, and where you live. The SR-22 is only a certificate that proves you have met the state’s financial responsibility (proof of insurance) requirements. Many insurance companies will not insure SR-22 clients and those companies that insure this type of driver (like Select Insurance Group) may have slightly higher rates. Generally, insurance rates can increase approximately 30%-40% from similar insurance with a safe driver insurance company. Select Insurance Group is a full service insurance agency, primarily focused on serving the specialized insurance needs for drivers with alcohol related offenses. Whether you are a high risk driver required to file a SR-22 or a preferred driver looking for affordable car insurance rates, we are ready to help.