Cheapest SR-22 InsuranceWashingtonCheapest SR-22 Car Insurance in Washington (2023)
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By , Content Director
Updated: Oct 26, 2023
In Washington, you might be required to submit an SR-22 after engaging in a major traffic infraction like a DUI. 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.
Cheapest SR-22 InsuranceWashingtonCheapest Companies for SR-22 Car Insurance in Washington
Cheapest Companies for SR-22 Car Insurance in Washington
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.
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What Is SR-22 in Washington?
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, DWI 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- Renewing a license that has been revoked or suspended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 DMV on your behalf. MoneyGeek offers in-depth explanations about SR-22 auto insurance.
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After meeting the financial responsibility mandate in Washington, the task of submitting a Financial Responsibility Cancellation Form falls on your insurance provider. By submitting this form, you confirm that all requirements have been met and you no longer need to retain a particular financial responsibility document, such as an SR-22.
Cheapest Companies for Non-Owner SR-22 Car Insurance in Washington
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 with military affiliations, 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.
WHAT IS NON-OWNER CAR INSURANCE?
Non-owner car insurance covers property damage and bodily injury to third parties, making it a suitable option for those who do not own a vehicle, such as professional and rideshare drivers and those using rental cars. Non-owner auto insurance does not cover injuries to you or your passengers, nor does it provide coverage for damage to the vehicle itself. Non-owner liability insurance often costs less than regular car insurance. MoneyGeek researched the cheapest non-owner auto insurance plans in Washington to assist you in finding the best offers.
Average Cost of SR-22 Car Insurance in Washington
In Washington, the average cost of SR-22 insurance for drivers with DUIs is $881 for minimum coverage and $1,666 for full coverage. Even minor violations such as speeding and at-fault accidents may also require you to file an SR-22. Filing this form will classify you as a higher-risk driver, which could result in increased car insurance costs.
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We recommend comparing rates annually or at each renewal if you live in Washington and have an SR-22 policy. Continuously exploring your alternatives is essential for finding the lowest price and getting a fair bargain.
How SR-22 Affects Car Insurance Rates in Washington
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.
The need to file an SR-22 may arise for various reasons, such as driving without adequate insurance coverage, non-payment of court-mandated child support, obtaining hardship licenses, DUI or DWI convictions and recurrent traffic offenses.
Car Insurance Rate Comparison Based on Driving Records in Washington
Clean Driving Record
Annual Premium for Minimum Coverage
$584
After a DUI
Annual Premium for Minimum Coverage
$881Car insurance premiums after a DUI are on average: :$297 more
This is 51% more expensive.
Other Effects of SR-22 on Car Insurance in Washington
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:
1
Limited number of insurance options
After filing an SR-22, most insurance companies will consider you a high-risk driver. Insurance providers may be less willing to provide coverage to individuals with high-risk offenses compared to drivers with clean records.
2
Possible policy cancellation
If you commit a serious driving offense that necessitates the submission of an SR-22, your insurance provider can terminate the remainder of your policy.
3
Length of required filing
In most cases, you must maintain an SR-22 filing for three years in Washington.
4
Higher liability coverage limits
Washington state does not require specific increased liability limits for drivers that submit an SR-22 form. However, Washington drivers still need to maintain the following minimum liability coverage limits as outlined by state law:
- $25,000 in bodily injury per person
- $50,000 in bodily injury per accident
- $10,000 in property damage per accident
5
Filing fees
In some states, drivers may be required to pay a one-time filing fee for an SR-22, which can range from $15 to $50.
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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
How to Get SR-22 Insurance in Washington
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.
WASHINGTON LICENSE REINSTATEMENT FEE
The license reinstatement fee after an SR-22 in Washington varies based on multiple factors. Typically, the fee ranges between $75 and $150. It is best to double-check the current fees with your state's DMV, as they are subject to change.
How to Get Cheaper Car Insurance in Washington After a DUI
Obtaining SR-22 car insurance after a DUI conviction can be expensive because you pose a greater risk to insurance providers. By shopping around and fulfilling certain requirements, such as completing an alcohol awareness course or DUI education, you may be able to reduce your insurance premiums. Regardless of its price, auto insurance is essential for protecting yourself and others on the road.
Compare quotes immediately
We highly recommend shopping around for auto insurance if you have a DUI conviction. Different insurance companies have varying underwriting standards and risk assessments, which can result in variations in rates. You can compare and select the insurance provider that offers the best value by getting quotes from multiple companies.
Complete DUI classes or programs
In certain states, DUI classes or programs are required for drivers convicted of a DUI to reinstate their driver's licenses. Enrolling in these courses can prepare you to prevent drunk driving incidents and potentially establish your dedication to driving safely. Completing a DUI program may also qualify you for better insurance rates.
Look for discounts
Several car insurance providers offer policyholders discounts based on specific eligibility criteria. For instance, discounts may be available to those who take defensive driving training, have a tracking device in their cars or keep their driving records clean. Talk to your insurer to find out if you qualify for any discounts.
Practice safe driving
Driving safely is one of the best ways to qualify for cheaper auto insurance after a DUI. You can positively influence insurance companies' perception of your risk profile by consistently following traffic regulations, avoiding additional traffic violations like speeding and demonstrating responsible driving behavior.
Shop rates over time
It's a good idea to keep looking for cheaper auto insurance rates, even after you've settled on a policy. Insurance companies may offer better rates as you become a safer driver and maintain a clean record.
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Non-standard auto insurance is designed to cater to individuals with a history of accidents, DUI convictions or other risk factors that make them ineligible for traditional coverage. Those having problems getting insurance elsewhere may benefit from non-standard auto insurance, despite its premiums being typically higher than those of standard policies.
Frequently Asked Questions About SR-22 Insurance in Washington
MoneyGeek answered some questions that frequently come up about SR-22 car insurance in Washington.
About Mark Fitzpatrick
sources
- Washington State Department of Licensing. "Financial Responsibility." Accessed June 7, 2023.