Cheap SR-22 Insurance in Washington From $61

Many states require drivers to file an SR-22 form after a serious motor vehicle violation. SR-22 insurance is a misnomer because it’s not a type of insurance. Instead, an SR-22 form proves that your insurance policy meets your state’s minimum-coverage requirements.

Each state has its different laws and requirements related to SR-22 insurance. Keep reading to learn how SR-22 insurance works in Washington, how to get an SR-22, and how it affects your insurance premiums.

Cheapest companies for SR-22 insurance in Washington

SR-22 insurance is typically more expensive than standard car insurance. But since some insurers may be more affordable than others, it can pay to shop around for SR-22 coverage. The below table shows the cheapest insurance companies for an SR-22 insurance policy in Washington.

What is SR-22 insurance in Washington, and when do you need it?

After a serious violation — like driving under the influence (DUI) or driving without insurance — most states require drivers to file an SR-22 form to restore their license. Washington requires an SR-22 for a three-year period if you drive (or own) a car involved in an accident, failed to pay certain judgments, forfeited bail, or were convicted of certain offenses.1

Check with your insurance agent if you’ve committed a serious violation and are unsure if you need to get an SR-22 form.

Difference between SR-22 and FR-44

Like an SR-22 form, many states require you to file an FR-44 form to prove adequate insurance coverage. But FR-44 insurance often requires higher liability limits than the state’s minimum coverage. Florida and Virginia are the only states that require an FR-44 form.

How to get SR-22 insurance in Washington

After the state notifies you of an SR-22 requirement, you’ll need to take action right away. 

Follow these steps to get SR-22 insurance in Washington:

1. Decide what proof of responsibility is right for you. The state of Washington offers drivers three different options for proof of responsibility. You can choose from SR-22 insurance or get a certificate of deposit or a liability bond (for at least $60,000).

2. Seek out approved insurance companies. Not all insurance companies offer SR-22 forms. If you have existing insurance, check if SR-22 insurance is available. You can also search the Washington State Office of the Insurance Commissioner’s list of approved insurance companies.

3. Sign up for insurance. After choosing an approved insurance company, file your SR-22 form.

How long Washington requires SR-22 insurance

SR-22 insurance rules vary from state to state. Generally speaking, Washington requires drivers to maintain SR-22 coverage for three years.

If your driver’s license was suspended, the three-year clock begins on the date you’re eligible for reinstatement. You can use the Washington State Department of Licensing (DOL) online database to get information about your driver’s license SR-22 requirements, if applicable.

How SR-22 insurance affects driving record and future rates in Washington

Insurance companies consider your driving history as a factor when calculating rates. Having a serious violation on your record usually leads to higher rates for insurance. You may only need to have an SR-22 for three years in Washington. But keep in mind that insurance rates may not go down until the DUI is no longer on your record.2

Here are some things you can do to improve your driving record and lower your insurance rates while under an SR-22 requirement:

• Shop around for coverage. It’s a good idea to get car insurance quotes from multiple insurance companies before signing up for auto insurance — especially if you need an SR-22. Comparing quotes can help you find the right SR-22 insurance for your needs and budget.

• Drive safely. Improving your driving habits can help lower your rate. Insurance companies often reward drivers for safe driving and being violation free.

• Look for discounts. When comparing quotes, ask about discounts, such as those for safe driving, bundling multiple policies, or paperless billing. The amount you can save varies from company to company but is sometimes upwards of 25%.

• Increase your deductible. If you can afford it, consider increasing your insurance deductible. Though you’ll owe more out of pocket if you need to make a claim, you’ll save money on your monthly premiums.3