Does Allstate Have Good SR-22 Coverage?
Last Updated on March 23, 2022
Allstate is a large and well-known car insurance company available in all 50 states. If you need SR-22 coverage, then Allstate is one option.
Allstate has average to below-average ratings in most parts of the United States for pricing, claims satisfaction, and overall quality. However, depending on your situation, Allstate may be the best option for SR-22 coverage.
Keep reading to discover everything you need to know about Allstate’s SR-22 coverage.
Table of Contents:
- How Does Allstate’s SR-22 Coverage Work?
- Allstate Offers Average to Below Average SR-22 Coverage
- Why Do I Need an SR-22?
- How to Get SR-22 Coverage with Allstate
- What Does Allstate SR-22 Coverage Cover?
- Allstate SR-22 vs. FR-44 Coverage
- How Much Does SR-22 Coverage Cost with Allstate?
How Does Allstate’s SR-22 Coverage Work?
Allstate offers SR-22 coverage that works similarly to the SR-22 coverage from other large insurers.
Here are the basic facts about Allstate’s SR-22 coverage:
- Allstate provides SR-22 coverage to certain drivers in certain states
- The SR-22 is a Certificate of Financial Responsibility; it verifies you meet minimum car insurance requirements in your state
- The DMV or a local court will notify you of SR-22 requirements; most drivers need to carry the SR-22 for three years before rejoining the ordinary car insurance market
- The DMV could suspend your license and driving privileges until you obtain an SR-22 certificate
- Allstate, like all insurers, can file an SR-22 certificate on your behalf to the DMV, verifying you have valid car insurance coverage and allowing you to resume driving as normal
- SR-22 coverage includes basic liability coverage to meet or exceed minimum insurance requirements in your state; it does not include collision coverage or comprehensive coverage
Some states use the SR-22 system to manage high-risk drivers. Other states use an FR-44 system for similar reasons. Some states have no SR-22 or FR-44 requirements whatsoever.
Allstate Offers Average to Below Average SR-22 Coverage
Allstate is one of the largest car insurance companies in the United States. In most states, Allstate has average to below-average ratings for car insurance.
According to J.D. Power’s 2021 auto insurance study, for example, Allstate ranked below average in most subregions for pricing and claims satisfaction. J.D. Power interviews policyholders who have recently made a claim. When policyholders rank Allstate lower than other providers, it indicates they were less satisfied with their claim than average.
However, Allstate scored average or better marks in some subregions, which means they could be the right choice for your SR-22 coverage, depending on your unique needs.
Why Do I Need an SR-22?
You may need an SR-22 if you fall into the following categories:
- Convicted of DUI/DWI
- Multiple or repeat traffic offenses, at-fault accidents, or moving violations
- A single at-fault accident without insurance
- Suspended or revoked driving license
Generally, drivers need to carry SR-22 coverage for three years. However, you may need to carry SR-22 coverage for longer in certain states.
How to Get SR-22 Coverage with Allstate
Getting SR-22 coverage with Allstate is straightforward.
- If you already have insurance with Allstate, then you can ask Allstate to submit an SR-22 certificate on your behalf.
- If you are not an Allstate customer, then you can request an SR-22 coverage quote from Allstate to compare prices to other providers in your area. Allstate generally provides SR-22 quotes online, although you may need to contact an agent or call Allstate if you have a unique driver profile.
If you are a particularly high-risk driver, then you may be unable to obtain SR-22 coverage from Allstate. Some drivers need to work with high-risk auto insurers specializing in SR-22 coverage, for example. If you have multiple DUIs or many serious at-fault accidents on your driving record, then you may need to work with a specialty insurer instead of Allstate for your SR-22 coverage.
What Does Allstate SR-22 Coverage Cover?
Allstate’s SR-22 coverage works like other SR-22 coverage in your state. It provides minimum insurance coverage to meet your state’s minimum requirements.
SR-22 coverage is not technically insurance. It’s a certificate proving you are financially responsible for any damages you cause while driving. That’s why the SR-22 is also known as a Statement of Financial Responsibility. The insurer is verifying you are financially responsible for any damages you cause while driving.
Specific SR-22 coverage requirements vary by state. However, most SR-22 coverage includes liability coverage:
Bodily Injury Liability Coverage: Bodily injury liability coverage covers medical bills, pain and suffering, and similar expenses incurred by other people as a result of your driving. If you strike a pedestrian or injure another driver in an at-fault accident, for example, then that person can make a claim through your SR-22’s bodily injury liability coverage.
Property Damage Liability Coverage: Property damage liability coverage covers the cost of repairing or replacing someone else’s property after you damage that property with your vehicle. If you crash into someone’s vehicle, for example, or collide with their fence, then that person can make a claim through your SR-22’s property damage liability coverage.
Other Minimum Required Coverages in your State: States require different types of insurance and have different SR-22 requirements. Some states require you to carry uninsured and underinsured motorist coverage to meet SR-22 requirements, for example, while others require personal injury protection and other coverages. Depending on your state, your Allstate SR-22 certificate may need additional coverages.
Allstate SR-22 vs. FR-44 Coverage
Allstate provides SR-22 coverage in most states. In select states, however, Allstate may provide SR-22 and FR-44 coverage:
Virginia, for example, uses the FR-44 certificate to manage high-risk drivers. If you need to submit an FR-44 certificate to the Virginia DMV, then you must maintain double the state’s minimum required insurance coverage.
Florida also uses the FR-44 to certify financial responsibility. Drivers who need the FR-44 certificate in Florida need to maintain a minimum of $100,000 of bodily injury liability coverage per person, $300,000 of bodily injury liability coverage per accident, and $50,000 of property damage liability coverage.
Allstate may provide SR-22 or FR-44 coverage in your state, depending on your state’s requirements.
How Much Does SR-22 Coverage Cost with Allstate?
All SR-22 coverage is more expensive than basic liability insurance. A standard liability insurance policy in the United States costs around $900 per year, while SR-22 coverage costs $1,734 per year, on average.
Costs vary widely across states and between drivers. If you’re a particularly high-risk driver, for example, then you could pay double or even triple what other drivers pay. If you’re a safe driver with a relatively clean history, then you could pay much less.
Different states also pay different rates for car insurance. Drivers in Maine and Idaho, for example, may pay less than $1,000 for SR-22 coverage with Allstate, while drivers in Florida and Michigan could pay over $3,000.
Compare quotes with Allstate and other providers to ensure you’re paying the best possible rates for car insurance in your state. While difficult, it is not impossible to find affordable SR-22 coverage.
Final Word on Allstate’s SR-22 Coverage
Allstate is one of many major insurers offering SR-22 coverage across the United States.
If you need SR-22 coverage because of high-risk driving habits, then Allstate could offer average to below-average SR-22 coverage. Generally, Allstate has average to below-average ratings for car insurance in terms of pricing and claims satisfaction. However, they may be a good choice for some SR-22 coverage needs.
Contact Allstate and request a quote today to check SR-22 pricing in your area.
