Washington, D.C. SR-22 Auto Insurance

The Zebra
Nov. 15, 2018

If you need an SR-22 for auto insurance in Washington, D.C., you're not the only one. This fairly standard insurance requirement is triggered by a driving citation like a DUI, a citation for driving without proof of insurance, a collision causing substantial property damage, driving with a suspended license, or accruing excessive points on your license.

Finding inexpensive coverage with an SR-22 in Washington, D.C. might require some research, but it could pay off. We examined how much a Washington, D.C. SR-22 typically costs and how to request one — let's dive into the details.


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How much does a Washington, D.C. SR-22 cost?

Car insurance with an SR-22 in Washington, D.C. tends to be expensive. This isn't because of the SR-22 itself — typical filing fees run just $15-$35 — but because of the insurance rate increases triggered by the violation that prompted the SR-22 requirement in the first place.

Insurance companies bill high-risk drivers more expensive rates to account for the increased chance of having to pay out a claim after a crash. The rate increase you’ll face depends on the severity and number of the violations — listed below are average car insurance premiums for drivers with SR-22s in Washington, D.C..


WASHINGTON, D.C. INSURANCE RATES BY VIOLATION
High-risk rating factorAverage annual rateIncrease vs. no citations
No citations$1,463.54
At-fault collision (>$2,000)$1,969.00$505.46
Speeding (21-25 mph > limit)$1,751.01$287.47
Reckless driving$2,189.30$725.76
Racing$1,861.00$397.46
Hit and run$2,244.98$781.44
DUI$2,411.43$947.89

If you want cheap auto insurance with a SR-22, The Zebra is here to help. Enter your ZIP code below to find personalized auto insurance quotes from popular companies.


How to obtain an SR-22 in Washington, D.C.


For currently insured drivers:

If you already have car insurance, requesting an SR-22 might be easy. Just call your insurance company and request it file a SR-22 request on your behalf. If your current auto insurance company won't file an SR-22 request, you'll need to look for a new insurer.

If you're uninsured:

When applying for a new policy, you might face an additional 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 could disqualify you from being insured by some carriers, while others would be happy to cover you.

For non-owners:

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

Methodology and data sources

Between September and December 2017, The Zebra conducted in-depth pricing analysis via its proprietary insurance quote engine, comprising data from rating systems and public rate filings. The Zebra surveyed 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.

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

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