Auto Insurance with an SR-22 in Rhode Island

The Zebra
Nov. 16, 2018

If an SR-22 is required in order for you to get car insurance in Rhode Island, you're not the only one. This relatively common requirement is sometimes requested after a driving violation like a DUI, a ticket for driving without proof of insurance, an accident with substantial property damage, driving with a suspended license, or collecting too many license points.

Finding affordable insurance with an SR-22 in Rhode Island might require some effort, but the savings are worth the trouble. We explored how much money a Rhode Island SR-22 certificate typically costs and how to go about getting one — let's look at the details.




Average SR-22 costs in Rhode Island

Insurance with an SR-22 requirement in Rhode Island can be expensive. This isn’t due to the cost of obtaining an SR-22 certificate — typical filing fees are $15 to $35 — but a product of the insurance rate increases caused by the offense that made the SR-22 necessary to begin with.

Auto insurance companies charge risky clients higher rates to account for the increased probability of an accident. The price increase you will receive will depend on the frequency and severity of infractions — listed below are average auto insurance rates with an SR-22 in Rhode Island.


RHODE ISLAND INSURANCE RATES AFTER COMMON VIOLATIONS
High-risk rating factorAverage annual rateIncrease vs. no citations
No citations$2,004.29
At-fault collision (>$2,000)$2,629.00$624.71
Speeding (21-25 mph > limit)$2,488.72$484.43
Reckless driving$3,646.36$1,642.07
Racing$3,554.00$1,549.71
Hit and run$3,145.57$1,141.28
DUI/DWI$3,794.73$1,790.44

If you are trying to find affordable auto insurance with an SR-22, The Zebra is here to help. Provide your ZIP code to find personalized auto insurance quotes from popular insurance companies.


Requesting an SR-22 in Rhode Island


Currently insured?

If you already have auto insurance, obtaining an SR-22 certificate is easy. Call your insurance company request they file an SR-22 request for you. If your current car insurance company isn’t willing to file an SR-22 request, you'll need to look for a new insurance company.

For uninsured drivers:

When applying for auto insurance, you might face an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 certification may disqualify you from buying insurance from some carriers, while others would be happy to sell you a policy.

For non-vehicle owners:

If you don't own a vehicle, getting an SR-22 can be difficult, as you'll need proof of insurance to receive the certificate. If you don't own a car, you should buy a non-owners insurance policy before requesting a certificate. Non-owners auto coverage is typically cheaper than a standard policy since it doesn't protect against physical damage to your automobile.

Methodology and data sources

Between September and December 2017, The Zebra conducted car insurance price analysis through its proprietary quote engine, incorporating data from rating platforms and public rate filings. The Zebra examined nearly 53 million premiums to examine trends for car insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.

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