SR-22 Insurance

One challenge that high-risk drivers might face is increased insurance responsibilities, and one of these might be an SR-22 requirement. Though SR-22s can be headaches, they are not supposed to be overwhelming. They are easy to manage with the help of your Assurance Total Protection agent.  

At Assurance Total Protection, we offer every driver the insurance solutions they need—including SR-22s—without the hassle. Our number is 888-418-1200, and by calling us you will save time and money in your search for perfect coverage. We will get everything right from the get-go, so you can get behind the wheel knowing you’re protected.  

If you’re interested in learning more about SR-22 requirements, then just keep reading.  

What Is An SR-22?  

No driver is perfect, but if you begin to rack up multiple or severe traffic offenses, then you will face the consequences, one of which is the SR-22 insurance requirement.  

An SR-22 policy is one that is designed specifically for drivers who have been deemed high-risk operators. These drivers will be required to carry higher auto insurance limits compared to non-SR-22 drivers, and the SR-22 policy is used to both provide these benefits and ensure that the policyholder continues to maintain coverage.  

Who Needs an SR-22 Policy?  

Only drivers who are deemed high-risk operators by the authorities must obtain an SR-22 policy. These might include those who:  


You will have to maintain the SR-22 policy for three years, and you must maintain continuous coverage for the entire penalty period. Failing to do so will result in further penalties.  

How Does an SR-22 Work?  

Policies can be augmented with other benefits like collision, comprehensive and uninsured motorist benefits to the policyholder’s advantage.  

There are two primary types of SR-22 policies: owner and non-owner coverage. If you own your own vehicle, then you need the former, while you only need the latter benefit if you drive others’ vehicles.  

Getting Your SR-22  

With the help of your Assurance Total Protection agent, you are guaranteed that you’ll get the SR-22 benefits that are perfect for you. Keep in mind:  

• Being the owner of a vehicle does not mean it is paid off. Even if you are financing a vehicle, you are the owner, so you will need an SR-22 owner’s policy.

• Having a non-owner SR-22 does not mean that the owner doesn’t need their own benefits.

• There are some situations that owners can get a non-owner policy and save a ton of money. Some customers have even saved $3,000+ a year or more just by calling us.

• Our carrier partners offer payment plan options on both owner and non-owner SR-22 policies. You may not have to pay in full for a 6 month or 12-month policy term, depending on what works for you.

Yes, getting an SR-22 might seem like a hassle, but with us it doesn’t have to be. We are partnered with trusted, customer-focused carriers, and we’ll be able to comprehensively compare the policies within our network to find the one that offers you the best coverage at the right prices.  

Always call us if you are looking for an SR-22 policy and don’t know where to start. We’ll make it a lot easier for you.