Cheapest SR-22 Car Insurance in Washington (2024)

An SR-22 is not an insurance policy but a certification proving you meet Washington's minimum liability coverage requirements after certain violations such as DUI. It's filed by you or your insurer and doesn't affect rates directly; however, the underlying violations can lead to higher premiums.

For those needing SR-22, State Farm offers a competitive annual rate of $483, making it the most affordable option. The next best is Farmers, with a yearly premium of $542. Both rates are for minimum coverage insurance policies.

For drivers not owning a car but still requiring SR-22, the two cheapest non-owner insurance options are State Farm at $473 per year and GEICO at $492 annually.

The cheapest companies for minimum coverage SR-22 car insurance in Washington are:

• State Farm: $40 per month, $483 per year
• Farmers: $45 per month, $542 per year

The least expensive providers for full coverage SR-22 insurance in Washington are:

• State Farm: $88 per month, $1,051 per year
• Progressive: $91 per month, $1,095 per year

After a moving violation, expect to pay more for car insurance as a high-risk driver. Still, affordable cheap SR-22 car insurance is available. Compare quotes to find the best rates for minimum coverage auto insurance and full coverage car insurance.

The companies with the cheapest non-owner SR-22 insurance in Washington are:

• State Farm: $39 per month, $473 per year
• GEICO: $41 per month, $492 per year

Non-owner car insurance can fulfill the liability coverage requirements for individuals who do not own a vehicle but need to file an SR-22 due to license suspension or serious traffic violations. This type of insurance is crucial for maintaining legal driving status without owning a car.

For non-owner drivers, it's essential to find the most affordable insurance options to meet state minimum coverage requirements without overpaying. State Farm and GEICO offer competitive rates that can help keep costs down.

An SR-22 in Washington is a form that proves you have minimum coverage auto insurance. It's filed by your insurance company, especially after certain violations like a DUI, driving without insurance or repeat traffic offenses. You'll need this for three years. If your SR-22 is canceled or lapses, your insurer must tell the state's Public Safety Department.

An SR-22 insurance verifies you're covered for at least the following in Washington:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $10,000 for property damage liability per accident

Even without a car, you might need SR-22 non-owner car insurance. Remember, your insurance card can't replace an SR-22.

Washington drivers may need to file an SR-22 through their insurance company after certain driving mistakes. This form proves you have minimum coverage auto insurance. It's needed for serious issues like DUI, driving without insurance, or major traffic violations. Filing an SR-22 helps you keep your driver's license. If you cancel your insurance, your insurer will tell the state. Below, you'll find a list of specific convictions that require an SR-22.

Filing for an SR-22 in Washington isn't just about facing higher premiums and limited coverage options. You might also risk being denied insurance altogether or having your existing policy cut short. It's crucial to keep your insurance active without interruption; any gap could reset the clock on your SR-22 requirement, which is generally three years. Understanding these stakes is key for drivers to maintain their minimum coverage and stay on the road legally.

Below is the list of how an SR-22 negatively impacts your car insurance in Washington:

The average cost of SR-22 car insurance in Washington for drivers with a DUI is $1,981 annually for full coverage and $999 annually for state minimum coverage. In comparison, drivers with a clean record pay $1,299 for full coverage and $673 for state minimum coverage.

The severity of your offense affects your premiums. It's not the SR-22 certificate that raises your rates, but the violations associated with it. If you're a repeat offender or have a severe violation, your insurer might not renew your policy or could raise your rates at renewal. The SR-22 certificate is required for three years. During this period, you must maintain minimum liability coverage of 25/50/10.

Filing an SR-22 in Washington is essential after serious traffic offenses, such as DUI. It's a non-negotiable proof of minimum coverage insurance, and failure to file can lead to further penalties.

Here are the steps to secure an SR-22 in Washington:

If your SR-22 in Washington lapses, your driving rights could be suspended again. You need to keep minimum coverage for three years. Getting a new SR-22 may have a fee, but it's necessary to drive legally.

A DUI on your record can lead to higher car insurance premiums. For a driver aged 30-59 with state minimum coverage, a clean record might mean an annual premium of around $673, while a DUI could push that to about $1000. Despite this, there are still ways to find car insurance after a DUI that won't break the bank. Washingtonians required to file an SR-22 can take heart; affordable options are available even with this added step. It's all about knowing where to look and comparing the right rates.

Finding affordable SR-22 insurance in Washington can be challenging due to the higher rates for drivers requiring this form. Get answers to your questions about securing cost-effective SR-22 car insurance options in the state.