Washington SR-22 Insurance: The Cheapest Companies and Average Costs | MoneyGeek.com
The cost of SR-22 insurance is much higher than a standard insurance policy. While filing for the SR-22 form can be done for a small fee, the actual cost of SR-22 coverage is much higher due to the severity of the traffic violation associated with it. SR-22 insurance can also be more expensive due to the loss of good driver discounts. In Washington, the minimum SR-22 coverage costs about $1,214 per year on average compared to the average annual price of $691 for drivers with a clean record.
Fortunately, there are a few options available for low-cost SR-22 auto insurance in Washington. MoneyGeek’s research shows that State Farm is the most affordable SR-22 insurance provider, with an average annual cost of $550 for minimum DUI coverage.
Reading: How much is sr22 insurance washington state
cheapest companies for sr-22 insurance in washington
These rates are for a policy that meets Washington’s minimum auto insurance requirements or a full coverage policy that covers $100,000 in bodily injury liability costs per person, $300,000 per accident, and $100,000 in costs. for property damage. As the average costs of insurance can differ greatly between providers, it is recommended to compare the prices of at least three insurers to find the best offers.
If price isn’t your number one priority when it comes to auto insurance, we recommend checking out the top auto insurance companies in Washington.
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SR-22 insurance is not a typical auto insurance policy. An SR-22 is a form filed by insurers with the government to show that the convicted driver’s auto insurance meets the state’s minimum liability coverage standards. Some providers may decide not to cover you if you need an S2-22 because you are considered “high risk.” Please note that SR-22 insurance after a DUI violation from any provider will be expensive.
Each state has its own list of offenses for which an sr-22 insurance form is required. in washington, sr-22 coverage is required if you commit one of the following traffic violations:
- driving with a suspended license
- driving without insurance coverage
- reckless driving
- dui
drivers who commit a minor violation generally do not need an sr-22. To find cheap insurance after a ticket or accident, shop around and compare prices. Fortunately, after a minor violation, insurance premiums will not be as high as the premiums associated with SR-22 coverage.
The severity of the traffic violation determines how long you need sr-22 insurance in washington. the period is three years for most convictions. If a driver’s license has been revoked for a crime, the three-year period begins after the license is reinstated.
A convicted driver’s auto insurance company files an SR-22 form on their behalf. however, some insurers may consider the crime “high risk” and refuse to provide this service. Once a driver receives SR-22 coverage, he will have to pay much higher rates than before his conviction.
Washington drivers who do not own a car but want to purchase affordable auto insurance should purchase SR-22 non-owners insurance. This type of insurance is intended for people who regularly use rental cars or borrow cars from friends and family. If you have a major traffic violation on your driving record, such as a DUI or an at-fault accident, and your license is suspended, filing an SR-22 can help you regain your driving privileges. SR-22 insurance costs are often less than the cost of auto insurance car owners pay.
In washington, the cost of sr-22 auto insurance for non-owners is $1,155 per year on average. Progressive offers the most affordable non-homeowners insurance coverage in the state, averaging $452 per year. state farm ranks second with a cost of approximately $459 per year.
the average cost of sr-22 car insurance for non-owners in washington
moneygeek analyzed sr-22 non-homeowners insurance rates in washington using rates from drivers with a dui on their list of violations. in this scenario, the policies cover $50,000 bodily injury liability per person, $100,000 bodily injury liability per accident, and $50,000 property damage liability per accident.
To help you find affordable SR-22 insurance in Washington, MoneyGeek answered frequently asked questions about pricing, the filing process, and the best providers to buy from.
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