Cheapest SR-22 Car Insurance in Washington (2024)

In Washington state, you might be required to submit an SR-22 after engaging in a major traffic infraction like a DUI or reckless driving. Most traffic offenses that need an SR-22 will drastically raise your premiums. However, remember that your violation, not the SR-22 form, causes your premiums to increase. Washington drivers choose from a number of low-cost auto insurance policy options.

The most affordable SR-22 auto insurance companies in Washington for drivers with DUIs are:

• State Farm: $462 per year
• Chubb: $563 per year

The cheapest full coverage SR-22 plans in Washington are carried by:

• State Farm: $962 per year
• American Family: $1,158 per year

After a driving infraction, your insurance prices may rise because of the increased risk you pose to insurance companies. Here are a few of the most affordable options for SR-22 auto insurance in Washington, with average annual premiums ranging from $462 to $1,933.

If you break certain driving laws, you may have to file an SR-22, which serves as proof of financial responsibility. While specific requirements may vary by state, many circumstances in which you'll need an SR-22 are standard nationwide. Some common examples include:

• DUI or other serious traffic violations
• Several traffic infractions during a short amount of time
• Driving while uninsured
• Being involved in an accident without insurance
• Renewing a license that has been revoked or suspended

In Washington, you must keep your SR-22 on file for at least three years and update it 15 days before it expires. The duration of the SR-22 requirement in Washington can be extended if the driving offense committed was particularly severe or if it was committed multiple times.

Per Washington state law, your car insurance company must submit an SR-22 form to the Washington State Department of Licensing on your behalf. MoneyGeek offers in-depth explanations about SR-22 auto insurance.

The cheapest SR-22 non-owner car insurance policies in Washington are offered by:

• State Farm: $473 per year
• GEICO: $492 per year

USAA is a comparatively cost-effective option for those in Washington that are members of the military community, with annual rates averaging $399.

If a non-owner driver has had their license suspended or revoked because of a DUI or another significant traffic offense, they may be required to file an SR-22. Driving safely with non-owner auto insurance can help you reinstate your license.

We looked around for the cheapest SR-22 auto insurance for non-owners and found that costs average between $473 and $1,283 per year, as displayed in the table below.

In Washington, the average cost of SR-22 insurance for drivers with DUIs is $881 for minimum coverage and $1,666 for full coverage. Filing this form will classify you as a higher-risk driver, which could result in increased car insurance costs.

Individuals in Washington required to submit an SR-22 can expect their insurance premiums to rise by around $297 per year. However, the severity of the violation, the level of coverage and your driving record can also affect your premiums.

You may need to file an SR-22 may arise for various reasons, such as driving without adequate insurance coverage, driving with a suspended license, non-payment of court-mandated child support, severe accidents, DUI convictions and reckless driving or committing certain repeated traffic violations.

Filing an SR-22 in Washington after a major traffic infraction may have consequences beyond just raised insurance premiums. The potential consequences of failing to file this document include:

Following a traffic violation, you usually need to take the following actions to buy auto insurance in Washington:

• Find an insurance provider that offers coverage to drivers with traffic violations.
• Purchase a liability insurance policy that satisfies the state's minimum requirements.
• Request your insurance carrier to fill out an SR-22 form on your behalf to demonstrate that you are financially responsible.
• Make sure you pay all necessary fees and maintain the SR-22 form for the required duration.

Completing these steps will demonstrate to the authorities that you are taking responsibility for your driving history and have proper insurance coverage.

Obtaining SR-22 car insurance after a DUI conviction can be expensive because you pose a greater risk to insurance providers. Regardless of its price, auto insurance is essential for protecting yourself and others on the road.

MoneyGeek answered some questions that frequently come up about SR-22 car insurance in Washington.