If you need an SR-22 for car insurance in Washington, you're not the only one. This relatively standard legal requirement is sometimes necessary after a driving violation like a DUI conviction, a ticket for driving without insurance, an at-fault accident with substantial property damage, driving with a suspended license, or amassing excessivelicense points.
Getting inexpensive car insurance with a SR-22 in Washington might require some effort, but it could pay off. We examined how much a SR-22 usually costs in Washington and how to get one — let's take a look.
How much does Washington SR-22 insurance cost?
Insurance after an SR-22 in Washington can be expensive. This isn't a direct result of the SR-22 — typical filing fees are $15-$35 — but thanks to the insurance premium increases from the issue that prompted the SR-22 in the first place.
Insurers charge higher-risk clients higher premiums to account for the increased risk of a claim payout. The price increase you could receive may depend on the severity and number of infractions — below are standard car insurance rates for drivers with SR-22s in Washington.
WASHINGTON INSURANCE RATES BY CITATION
|High-risk rating factor||Average annual rate||Increase vs. no violations|
|At-fault crash (>$2,000)||$2,016||$648|
|Speeding (21-25 mph > limit)||$1,701||$333|
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Requesting an SR-22 in Washington
Currently insured?If you possess an active auto insurance policy, obtaining an SR-22 certificate shouldn't be too difficult. Contact your car insurance company request they file a SR-22 request on your behalf. If your insurance company won't file a request, you'll need to look for a new insurer.
If you're uninsuredWhen filing for car insurance, you'll need to pay a fee for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. An SR-22 requirement may disqualify you from getting coverage from some companies, while others would be happy to cover you.
Don't own a car?If you don't own a vehicle, it could be more difficult to obtain an SR-22, as you will need to show proof of insurance to obtain the certificate. If you don't own a vehicle, purchase a non-owners policy before requesting a certificate. Non-owners auto insurance is often less pricey than a traditional policy since it doesn't insure against physical damages to your automobile.
we conducted comprehensive analysis via its proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra assessed nearly 53 million premiums to explore trends for specific auto insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.