Washington SR-22 Car Insurance

Washington SR-22 Car Insurance

In Washington, the average SR-22 insurance rate is $2,050 annually. A 59% increase is rendered on top of the standard car insurance rate. If you have been convicted of any driving violations at least once in Washington, then you will be obligated to acquire SR-22 insurance to reinstate your driving privileges. It is a prerequisite that your insurance policy meets the minimum liability requirements of Washington.

Drivers in Washington who have received driving citations in the past are bound to pay more expensive rates. However, the increase in their car insurance policy in Washington will depend on the severity of the violation. 

What is the rate of SR-22 insurance in Washington?

Washington’s SR-22 insurance rate increase is $720 reflected on top of your standard car insurance policy. Driving citations such as speeding tickets can also render an increase in your car insurance rates in Washington. Thus, regardless of the kind of violation you commit, your auto insurance rate will rise significantly.

On the other hand, there are also ways to gain cheap SR-22 insurance in Washington. Comparing rates from different car insurance companies will help you identify the one that will lead to more affordable SR-22 insurance rates. You can extensively gather information about various policies from other companies and take into account your current driving profile. Additionally, you can hire an agent to help you come up with cheap SR-22 insurance in Washington.

Washington SR-22 Car Insurance Rates

CompanyAverage Annual Rates
with Clean Record
Average Annual Rates
with 1 Accident
Average Annual Rates
with 1 DUI
Average Annual Rates
with 1 Speeding Violation
USAA$1,922$2,501$3,493$2,100
GEICO$2,134$3,187$4,865$2,630
American $2,687$3,710$4,317$3,016
Family
Nationwide$2,738$3,385$4,532$3,111
State Farm$2,811$3,387$3,626$3,175
Progressive$3,075$4,766$3,957$3,997
Travelers$3,456$4,276$5,732$4,254

Washington insurance laws prohibit auto insurance companies from increasing rates or canceling policies before the renewal period. However, when your car insurance coverage expires, you will be required to have SR-22 insurance that can also possibly result in more expensive auto insurance rates or non-renewal of your policy.

One of the most common causes of car insurance increase is the privilege of a good driver discount. If you have been convicted with DUI citations, you will not be eligible for a good driver discount for three years. Thus, if you have been enjoying your 15% discount before a citation, your rates will definitely go up by 15% in the next years assuming that you will not acquire another violation. 

What is SR-22 Car Insurance in Washington?

SR-22 insurance projects the financial responsibility and stability of the high-risk driver. There are a couple of requirements when acquiring SR-22 insurance in Washington. One is purchasing a car insurance policy that meets the standard level of the liability insurance policy. The other one is the filing of the SR-22 form, which must be done by your insurer on your behalf.

How Long Do You Need an SR-22 After an Accident?

Typically, the length of how long you will need SR-22 insurance is measured by the level of your violation or the severity of the damages.  Most of the violations will only render a three-year SR-22 insurance requirement. However, for more severe fractions of breaches and damages, it can last up to ten years.

Being under SR-22 insurance, you will need to be prompt with payments and following the good driver rules. If you fail to do so, it is likely for your driving privileges to be suspended again and your car insurance policy to get canceled. Thus, any lapses can lead to non-renewable policies and driver’s license. 

Washington Non-Owner SR-22 Insurance

Three Forms of Financial Responsibility

You will not be eligible for non-owner SR-22 insurance in Washington if you have a car that you frequently drive despite you don’t own it. But, for those who are qualified for non-owner SR-22 insurance, state-required liability insurance will be provided regardless of the kind of car you drive. On a brighter note, non-owner SR-22 insurance holders garner cheaper rates in contrast to those under an owner’s policy. It is one way to reduce your SR-22 insurance cost in Washington after a violation.

Washington SR-22 Car Insurance​

Washington Car Insurance Rates After Common Violations

Common CitationAnnual Average Rate (with violation)Annual Average Rate (with no violation)
No Citations$1,375
At-Fault Crash at >$2,000$2,011$635
Speeding Ticket (21-25mph above limit)$1,696$321
Reckless Driving$1,927$563
Racing$2,098$726
Hit-And-Run$2,116$742
DUI/DWI$1,965$601

How To Get an SR-22 Insurance in Washington?

If you have an ongoing car insurance policy, it can be easy to acquire an SR-22 after a violation. Just directly contact your agent or car insurance provider and request them to file SR-22 insurance on your behalf. However, there are some insurance companies around Washington that might refuse your request. Thus, the best thing to do is to look for another company that can cater to your needs.

Filing a Washington SR-22 Insurance for Insured Drivers

If you are insured and want to file SR-22 car insurance in Washington, an additional cost will be billed to you for the whole process of the application. It is likely for some insurance companies to disqualify your application. However, there will be other companies that would be willing to sell you SR-22 insurance. 

Filing a Washington SR-22 Insurance for Non-Owners

It can be tricky for non-owner drivers to acquire SR-22 insurance, but it also can be cheaper. All you need to do is concrete proof of your insurance to acquire the required certificates that were mentioned above.

The best thing to do is to purchase non-owners car insurance coverage before trying to apply for SR-22 insurance. It may take a lot of your time and effort, but being able to qualify for non-owners SR-22 insurance will help you garner cheaper rates since you will not be given coverage for your vehicle’s physical damage in cases of collision.

The bottom line is, it is better to prevent the obligation of acquiring SR-22 insurance as much as possible. Maintaining a good driving profile and intentionally avoiding road violations will keep on you the list of good drivers in Washington, which, relatively, is the best way to keep your car insurance rate on the average level.

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