SR-22
How an SR-22 Can Put You On The Road Again
Maybe you've been asked for an SR-22 form in the past and weren't exactly sure what it is, why you need one, or how to get this certificate. Fortunately, we'll answer those questions and more!
An SR-22 is a form of certification that is often requested by the state to declare financial responsibility; specifically when a person without liability coverage was involved in an accident or does not have the required level of insurance coverage.
As long as you do not leave a lapse in your state-required minimum coverage, you will not need an SR-22 in Idaho.
All About SR-22
What Is SR-22 Insurance?
Technically, SR-22 is not a type of insurance, but rather a statement of financial responsibility called a Certificate of Financial Responsibility, or CFR for short. The SR-22 form filed by your insurance company and required by your state's Department of Motor Vehicles essentially shows that you maintain auto insurance with liability coverage.
Who Needs an SR-22 in Idaho?
If you have been ticketed for speeding or stopped for any other reason and could not show proof of coverage in force, then you will need an SR-22. There are also other instances where the state requires this important document:
Any time you are involved in an uninsured motorist accident and it is determined that you were at fault.
When you receive several traffic offenses in a short period of time.
If you are found to be driving with a suspended or revoked license.
If you are involved in any type of serious violation, such as a DWI and DUI.
What Is The Cost Of Obtaining An SR-22?
Each state has different costs; in general most agencies have extra fees for the SR-22. The Center has NO ADDITIONAL COSTS FOR THE SR-22. First, you will need an auto insurance policy, and this is where El Centro can help! There are many different factors that go into adjusting your auto insurance premium on a monthly or quarterly basis, and the fact that you are required to provide an SR-22 may mean that your rates will be slightly higher due to the increased risk.
However, know that getting the cheapest SR-22 certificate doesn't mean you'll be getting the best deal in the long run. Consider your insurance company's ability to work with you, service levels, reliability and overall financial responsibility before making your final decision.
What's the Best Way to Get an SR-22?
Call us anytime to learn more about your options for getting an SR-22 filed with the state quickly and efficiently—so you can get back on the road! We have no additional costs for an SR-22.
How Long Is My SR-22 Valid?
Although each state is different, as long as you continue to pay your auto insurance policy premium and keep your policy in force, your SR-22 will remain active and viable. Once the state requirement is met, the SR-22 will no longer be needed. However, if you cancel your insurance policy, El Centro is required by law to notify state authorities. Your driving privileges may be suspended if you fail to maintain the state-required auto insurance and your SR-22 certificate.
Other Insurance agencies charge for SR-22, but lucky we have established great partnerships and some of our partners won’t charge you for SR-22! Call us or text us to learn more.
We can assist you in person or help you remotely
Nampa Office
1604 Garrity Blvd 103
Nampa, ID 83687
Mon-Fri 9:00AM-6:00PM
208.461.0233
Garden City Office
Garden City, ID 83714
Mon-Fri 9:00AM-6:00PM
208.215.7733
Jerome Office
Jerome, ID 83338
Mon-Fri 9:00AM-6:00PM
208.572.5000
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