Lexington SR Drivers Insurance Solutions
Providing The SR22 Insurance Kentucky Drivers Can Depend On
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SR22 Insurance Kentucky
If you’ve recently had a car accident, you have likely heard about SR22. It’s a certain form that you have to fill and submit to your home state in case of a serious traffic violation.
SR22 Insurance is necessary if you’ve been involved in a car accident. Therefore, you should know all about SR22 Kentucky and how to get it.
What Is SR22?
When you’ve been a part of a serious traffic violation, you have to meet an additional requirement for your auto insurance. It’s called the SR22 form, and you can get it from your insurer.
You can also consider the form to be a certification of your financial responsibility.
Filing this form means that you’ll be paying higher car insurance as compared to someone with a clean driving record. Additionally, you’ll have limited options when choosing an auto insurer since not all companies offer insurance to people with an SR22.
Having the form provides that you have the ‘minimum liability insurance’ according to your state. Since the amount differs for each state, it’s important to know your local regulations about SR22.
Types of SR22 Forms
When getting SR22 insurance quotes, you should also consider the types of SR22 forms. Here are the three types:
- Non-owner: A non-owner or operator refers to someone who does not own a car and occasionally drives one after borrowing from someone else. In such cases, the SR22 form protects the person who has the policy rather than a certain vehicle. In some states, it’s called non-driver SR22 and is essential.
- Owner: As an owner, you’re someone who drives his or her own car.
- Operator/Owner: Such SR22 forms are for people who own their cars and also occasionally rent or borrow a car from someone else.
When Do You Need An SR22?
You might have been involved in a traffic violation, but this does not always mean that you have to fill the SR22 form. You need SR22 insurance in the following cases:
- You have a moving violation against you, such as DWI and DUI.
- You were behind the wheel without insurance and caused an accident.
- You’ve received more than the state limit on the number of traffic tickets in a month.
- Your license has been revoked or suspended.
- You haven’t paid your child support.
While most states have the SR22 form, some others like Virginia and Florida have a similar form called the FR44. For this form, you need an even higher liability coverage than the SR22 form.
Meanwhile, there are some states that don’t require you to fill an SR22 form.
To get this information, you need to consult the traffic court of your state. In some states, the Department of Motor Vehicles can also provide you this information.
Alternatives To SR22 Insurance
While the SR22 form is a standard, you may have to fill alternative forms, depending on your violation’s severity and the state.
If you live in Texas, Georgia, or Missouri, you need to fill in the SR 22A form upon severe traffic violations. For this form, you must pay for your insurance policy in full for six months or more.
The SR21 insurance has to be filled if you have received a traffic ticket or were in an accident. It certifies that you have sufficient coverage according to the state’s requirements.
The SR50 insurance is exclusive to Indiana. It’s similar to SR22 as it allows your license to be reinstated and offers proof of coverage to the state.
The FR44 insurance is required in Virginia and Florida after a driver is convicted of a DUI. Although it’s quite similar to SR22, you must have double the minimum liability coverage for this
How To Get An SR22?
Depending on your state, the procedure for getting an SR22 will be different significantly. However, typically, you have to contact your insurance company once you’re told that you need an SR22 form.
If your insurer does not offer this service, you’ll have to look for a different company. In case you don’t own insurance yet, you will have to buy a policy to be authorized to drive again.
Sometimes, the insurers want you to pay a six to twelve-month premium upfront.
Which Companies File SR22?
If you’re searching for SR22 insurance, here are some companies that offer this service:
- Direct Auto
- Safe Auto
- 21st Century
- The General
Some bigger names that provide this service include USAA, State Farm, Geico, American Family, and All State. But keep in mind that USAA is limited to veterans, their families, and active military members.
Cost Of An SR22
The SR22 insurance cost may be as low as $25. However, that’s not the only concern you are faced with. When you file for an SR22, you have to pay higher insurance quotes.
How high exactly? Well, that depends on the following things:
- Your insurance company
- Your state
- The kind of travel violation you were involved in
How To Get An SR22 Certificate In Kentucky?
Getting SR22 Kentucky is pretty similar to the method you’d have to follow in other states. Here are the steps you need to follow.
- Find An Insurance Company
When you are notified that you need an SR22 Kentucky, you should immediately get in touch with your insurer and ask them about the possible options. If your insurance company does not have this service, look for another insurer.
Pay the state fee for SR22 insurance. Since the insurance company will file the form on your behalf, you’ll have to pay them a processing fee.
- Minimum Liability Coverage
All states have different minimum liability coverages. Here are the requirements to get SR22 insurance:
- $40,000 for damage resulting from one accident
- $25,000 for death or injury to one person (it can be a passenger, a pedestrian, another driver on the road, or you)
- $15,000 in property damage
Finally, you can submit your SR22 insurance to the DMV. When you pay your insurer, they will file your form into the state’s Office Of Driver Services.
Once you’ve submitted your request for SR22 insurance, the state will ponder on it. Then, you’ll get a confirmation letter from the state and your insurer in case the form is accepted.
How Much Is SR22 Insurance Kentucky?
If you’re required to get it, you must want to know how much is SR22 insurance is In Kentucky. The cost differs depending on your violation and the insurance company.
The cost of SR22 insurance, on average, is $587 for a year. On the other hand, drivers with clean records have to pay $355 a year. As you can see, Kentucky SR22 insurance can raise the cost of your insurance by $232.
How To Get SR22 Insurance If You Don’t Have Insurance?
If you don’t have insurance and need an Kentucky SR22, you need to find an insurer. Make sure you search for insurance companies that offer SR22 insurance since this service is not universal.
Some previous surveys show that State Farm offers the cheapest Kentucky SR22, costing around $302 per year. However, this is minimal coverage and can be higher, depending on your violation.
How To Get An SR22 Insurance Kentucky If You Don’t Own A Vehicle?
If you don’t have a car or have lost your license, you can get a non-owners SR22. Even if you don’t drive a vehicle, you should make sure your license is reinstated so that you can drive whenever you need to.
A non-owners SR22 is also a useful opportunity for people who don’t drive regularly but still want to get behind the wheel every once in a while. Moreover, it will allow you to get your license at a minimum cost.
How To Get A Non-Owners SR22 Insurance Policy?
To get a non-owners SR22 policy, you should get in touch with an insurance company that deals with high-risk plans. Although you can buy the policy online, it’s better to talk to an insurance agent to get more information about your plan.
You have to fulfill certain criteria to get a non-owner SR22 insurance policy:
- You cannot have a car or any other vehicle.
- You should not need an ignition interlock breath device.
- Even if it’s not yours, there should not be another car in the house.
As compared to regular SR22 insurance, the non-owners SR22 policy is cheaper. If you want to get back on your feet, you should get this policy. It will help you get your license a good standing before you purchase a car.
How Do You Know If You Have to Have SR22 Insurance Kentucky?
The general information most people are aware of is that they need to get an SR22 if they have been in a serious traffic violation. But how do you know if your violation was serious? How do you know if you have to have SR22 insurance?
The requirements for an SR22 are different from one state to another. But if you live in Kentucky, you must have SR22 insurance in the following circumstances:
- Driving with no insurance coverage
- Reckless driving
- Driving on a suspended license
Which Companies To Choose After A Traffic Violation?
Although you want your license to be reinstated, you also surely don’t want to pay a lot of money to your insurance provider. That’s why it’s wise to go to designated insurers who already work with high-risk clients.
Here are some insurance companies that are affordable after certain kinds of traffic violations.
Bad Driving Record
If you have a history of reckless driving or have received several parking tickets in a short span of time, your insurance costs will rise. A single ticket won’t really have a considerable effect, but if the instances are consistent, you should expect to pay a few hundred dollars extra.
If you’ve gotten a ticket, you should consult Geico since their rates are pretty nominal for such clients.
After An Accident
The Kentucky SR22 insurance cost will increase substantially as a result of an accident. On average, State Farm and USAA have budget-friendly plans for drivers with past traffic accidents.
However, USAA is not accessible to everyone. You can only get their services if you’re serving in the military, are a veteran, or are a family member.
Progressive offers the cheapest rates for drivers who have received a DUI. If you get a DUI, there will be a sharp rise in your insurance premium as compared to drivers who have clean driving records. You can get Kentucky SR22 insurance quotes from all these companies online.
What Does A Non-Owners SR22 Insurance Policy Encompass?
Along with getting your license legal, the SR22 insurance policy also helps you stay on the safe side. For instance, if you’re driving a family member’s car and get into an accident, the policy will help you pay for some of the damages.
How Long Will I Need An SR22 For In Kentucky?
If you live in Kentucky, you’ll need an SR22 for two years from the reinstatement of your license. However, the duration might differ depending on your circumstances.
If you no longer need an SR22, you will get a notification from the state. They will let you know when you can have your privileges back. Or, you can get in touch with the Office Of Driver Services and ask them how long you’ll need to keep the SR22.
Keep in mind that your SR22 policy will not be removed automatically when it’s no longer required. You have to talk to your insurance company and tell them to remove the form from your policy.
Once the SR22 form is no longer a part of your insurance policy, your insurance cost will go down. However, this isn’t guaranteed for everyone.
Plus, if you cancel or lapse your insurance policy while you’re required to have an SR22 form, the insurance company will notify the DMV, resulting in the suspension of your license.
What If You Need An SR22 In A Different State?
It’s not uncommon for people to belong to a certain state and require an SR22 in another one. For instance, if you’re from Minnesota but are a student at the University of North Carolina, you’ll need an SR22 in the latter state.
Keep in mind that not all states require SR22. The states that exempt this policy include:
- North Carolina
- New York
- New Mexico
Let’s say you were required to have an SR22 in Texas, and you move to Kentucky. You’ll still have to meet the requirements set by Texas for SR22. That’s why it’s important to shop your policy from a company that offers nationwide auto insurance.
Meanwhile, if you are a resident of one of the states mentioned above – that don’t need SR22 – but you’ve moved to another state where you need to have an SR22, it won’t be possible for you to get an SR22.
In this case, you’ll have to get permission from the requesting state.
Which Companies Offer The Cheapest SR22 Insurance Kentucky?
Best SR22 Insurance Kentucky
When shopping for SR22 insurance plans. It’s best to compare the quotes from different companies before settling for one. Fortunately, there are many online comparison tools you can use for this.
For instance, Value Penguin lets you compare SR22 quotes by the company and the state.
A survey containing information from 12 US states, including Texas, Virginia, Wisconsin, South Carolina, Tennessee, Ohio, Oregon, Indiana, Illinois, Florida, California, and Arizona, showed that USAA has the cheapest SR22 policies across the country.
State Farm stands in second place, followed by Progressive, AAA, and Geico, respectively.
However, this data is not specific to Kentucky. MoneyGeek conducted a survey to determine the cheapest SR22 insurance companies in Kentucky and found the following:
- State Farm: $302 annual rate
- Progressive: $345 annual rate
- USAA: $371 annual rate
- American Family: $441 annual rate
- Geico: $443 annual rate
However, the SR22 insurance cost can still differ, depending on certain factors. To find how much does SR22 insurance cost in Kentucky, you can compare the quotes on MoneyGeek’s website.
Do note that the more severe your violation, the more expensive your policy will be. If you have a poor traffic track record, you won’t get good driver discounts. Thus, your insurance cost will be higher.
Like all other states, getting an SR22 insurance is also a hefty increment to your insurance cost. However, it’s the price you have to pay if you want your license reinstated.
Although the cost of SR22 insurance is generally higher, you can still bag a good offer if you shop wisely. Search for companies that offer affordable plans to high-risk drivers.
Additionally, it’s recommended to compare the quotes from different companies before choosing one. Hopefully, this guide would have given you a clear idea of SR22 insurance and everything you need to know about it.
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