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Frequently Asked Questions

Below are some of our frequently asked questions.  If you have any other questions or concerns, please feel free to contact us via the web, or come and visit us at a location near you.

  1. What is an SR22?
  2. Why do I need SR22?
  3. What is a non-owner policy?
  4. How Much Is SR22 Insurance?
  5. Can I have SR22 Without Insurance?
  6. Can I File SR22 For Another State?
  7. Will an SR22 affect my insurance premium?
  8. Why do I need to list all my household residents of driving age?
  9. Why did my rates go up?
What is an SR22?
An SR22 is a certificate that insurance companies file with the State verifying your active insurance coverage. You may be required by the State to carry SR22 insurance for 1 year or more. Failure to maintain SR22 insurance policy during the requirement period can result in suspension of your license.

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Why do I need SR22?

Different violations can trigger an SR22 requirement. Things like unpaid tickets, too many points on your driving record, driving without insurance violations, missed court dates, DUI's or even missed child support payments. Once you are required to get an SR22, you need to have insurance even if you don't own a vehicle. This policy is called non-owner insurance.

Our agents can help you comply with the State requirements. Call us at 816.453.7722 or fill out our online form.



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What is a non-owner policy?

A non-owner policy is a liability policy on an individual. There is no vehicle listed on the policy. This type of policy is mostly associated with and SR22 filing for people who don't own any vehicles, but must carry insurance. 

A non-owner policy comes with certain restrictions typically not part of an owners policy. Call us for more details or to get a quote.



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How Much Is SR22 Insurance?

The cost of filing an SR22 varies from different insurance companies and states. If you have an existing auto insurance policy, it could be just a matter of adding an SR22 to your auto insurance. Some insurance companies have a small filing fee of $25 to add the SR22, while other companies can consider you a high risk and decide to not renew your insurance policy.

If you need an SR22, but don't have current insurance or a vehicle, you need to purchase a non-owner insurance policy. This way you can reinstate your license by filing an SR22.

Adding the SR22 to your policy could also mean higher monthly payments.

Bargain Insurance Connection can guide you through the process of filing the SR22 with the state.

Give us a call at 816.453.7722 or fill out our online quote.

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Can I have SR22 Without Insurance?

The SR22 form is proof of liability insurance to the state. To get the SR22, you must have a valid insurance policy that shows that your insurance meets legal liability limits of your state.

However, you can get the SR22 if you don't own any vehicle. For those cases there is a non-owner SR22 insurance which provides liability insurance for the driver.

Our agents at Bargain Insurance Connection can best explain you the details and limitations of a non-owner insurance policy.

Give us a quick call at 816.453.7722 or click here for more info.



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Can I File SR22 For Another State?

Yes, you can file the SR22 for a state other than your residence. If your license was suspended in different state, ask your insurance company to file the SR22 for that state.

Not all insurance companies operate in every state, if you happen to need an SR22 where your insurance company does not do business, you may have to switch your insurance companies.

Our agents can best explain you the details about SR22 insurance, give us a quick call at 816.453.7722 or 1.877.453.7374



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Will an SR22 affect my insurance premium?

An SR22 will in most cases increase your insurance premium. While some insurance companies have a flat fee for SR22 filing, more common practice is that your monthly payments will change.

Since SR22 is considered a higher risk category, some insurance companies may choose not renew your insurance policy because of this requirement.

Our agents can best explain you the best way to proceed. Give us a call at 816.453.7722 for additional consultation.



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Why do I need to list all my household residents of driving age?
In some States, the insurance companies may ask you to disclose all residents in your household who are of driving age. If you have additional residents who will not be driving your insured vehicle, you have to exclude them from your policy as drivers. There are different laws between States about exclusions. Our agents can explain you more in detail, call us for a free consultation - (816) 453-7722

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Why did my rates go up?

Most common reason your insurance rates have increased is because of additional moving violations on your driving record or new accidents. However, sometimes your rates can go up for no fault of your own. Insurance companies review their losses every year and some areas are prone to more accidents than others and will therefore be considered a higher risk. Rates for those areas might have a slight increase in rates, while other areas with low accident rates might have a decrease.

Your agent at Bargain Insurance Connection can best answer all questions you have.

Call us for a rate comparison - (816) 453-7722



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