Does State Farm Have Good SR-22 Insurance Coverage?
Last Updated on March 24, 2022
State Farm is the largest car insurance company in the United States. For many drivers, State Farm offers some of the best SR-22 coverage in the United States.
High-risk drivers need SR-22 coverage to reinstate their license and driving privileges. If you need a Certificate of Financial Responsibility (also known as an SR-22), then State Farm can file that certificate on your behalf.
Does State Farm have good SR-22 coverage? Keep reading to find out.
Table of Contents:
- How State Farm’s SR-22 Coverage Works
- State Farm Provides Average to Above Average SR-22 Coverage
- How Much Does State Farm’s SR-22 Coverage Cost?
- Who Qualifies for State Farm SR-22 Coverage?
- How Long Does SR-22 Coverage Last?
- How to Get an SR-22 with State Farm
- SR-22 Vs. FR-44 with State Farm
How State Farm’s SR-22 Coverage Works
State Farm provides SR-22 coverage to high-risk drivers who need an SR-22 certificate. If the DMV has suspended your license until you file an SR-22 certificate, then you can get that SR-22 coverage through State Farm.
State Farm provides SR-22 coverage to drivers who have:
- Multiple traffic offenses
- DUIs, DWIs, and other major moving violations
- Suspended or revoked licenses
- Violations for failure to maintain mandatory insurance coverage in your state
The SR-22 is not insurance; instead, it’s a certificate proving you have insurance. The certificate proves you meet minimum car insurance requirements in your state. State Farm files that certificate to the DMV on your behalf. Then, the DMV reinstates your license and driving privileges.
State Farm Provides Average to Above Average SR-22 Coverage
State Farm is America’s largest car insurance company, and the company has average reviews across the United States.
In most states, State Farm is above average for car insurance quality, pricing, and claims satisfaction.
In other states, State Farm is below average. Like other large insurers, State Farm has a wide spectrum of reviews across the country.
Generally, State Farm provides above-average car insurance in most parts of the United States based on pricing and customer satisfaction, which means they offer above-average SR-22 insurance in terms of quality.
State Farm is, however, known for providing cheap and dependable car insurance coverage. With State Farm’s SR-22 coverage, you know what you’re getting, and you tend to pay low prices for that coverage.
In J.D. Power’s 2021 auto insurance study, State Farm placed above average in most subregions, and the company even took home top prize in one subregion. J.D. Power ranks auto insurers based on claims satisfaction and pricing. To do that, they interview policyholders who have recently made a claim. Because of its high marks, State Farm clients were generally satisfied with how State Farm processed their claims.
Overall, State Farm has above-average ratings in most parts of the United States, which means most policyholders should be happy with their State Farm SR-22 coverage.
How Much Does State Farm’s SR-22 Coverage Cost?
State Farm tends to charge lower rates than other insurers in the United States. The company has some of the cheapest rates in America for car insurance.
Those cheap rates translate to lower SR-22 coverage costs.
Low prices are important for SR-22 coverage. Having an SR-22 could double the price of car insurance. The average SR-22 in the United States costs around $1,734 per year for basic liability coverage, which is nearly $1,000 higher than the nationwide average for liability coverage. All SR-22 coverage is expensive, but State Farm may be slightly less expensive than competing companies.
Request a quote from State Farm to compare SR-22 prices in your region.
Who Qualifies for State Farm SR-22 Coverage?
Most drivers can get SR-22 coverage through State Farm. However, State Farm may deny coverage to certain high-risk drivers.
State Farm focuses on drivers with average risk. If you are an unusually risky driver to insure, then State Farm may be unable to provide SR-22 coverage to you, which means you need to work with a high-risk car insurance company.
Some insurers specialize in providing SR-22 coverage to high-risk drivers. If State Farm turned you down, then you may need to use a specialized high-risk driver to get the SR-22 coverage you need.
How Long Does SR-22 Coverage Last?
In most states, you need to carry an SR-22 certificate for three years.
However, drivers with multiple offenses, or drivers who commit an offense while carrying the SR-22, could need to carry coverage for longer.
Once your SR-22 requirement expires, you can resume buying car insurance from the ordinary marketplace. Your DMV should notify you when your SR-22 coverage requirements end.
How to Get an SR-22 with State Farm
Getting an SR-22 with State Farm is straightforward. You request a quote online, over the phone, or via a State Farm agent. Then, if you’re satisfied with the coverage and eligible, you buy SR-22 coverage through State Farm.
If you are already a State Farm policyholder, then it should be easy to add SR-22 coverage to your policy. If you’re not already a policyholder, then State Farm may offer some of the cheapest SR-22 coverage in your area, which could make them the best choice for you.
Here’s how to get an SR-22 certificate from State Farm:
You Already Have a State Farm Policy: If you already have car insurance with State Farm, then contact State Farm and ask them to file an SR-22 certificate on your behalf. State Farm should be able to file the certificate without issue, giving you the coverage you need to reinstate your license and driving privileges.
You Don’t Have a State Farm Policy: State Farm could be the best insurer in your area for your SR-22 coverage requirements. Contact State Farm to compare quotes with other providers in your area. State Farm could be the best available option.
SR-22 Vs. FR-44 with State Farm
Depending on your state, State Farm may offer both SR-22 and FR-44 coverage. Most states exclusively use the SR-22 system for high-risk drivers, while some drivers use both the SR-22 and FR-44.
- Virginia requires high-risk drivers to obtain SR-22 coverage, while extra high-risk drivers may need FR-44 coverage. FR-44 coverage doubles the minimum coverage requirements in Virginia.
- Florida uses the FR-44 as its standard certificate of financial responsibility. If you are a high-risk driver in Florida, then you may need to obtain FR-44 coverage to get $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.
Some states use neither the SR-22 nor FR-44 for high-risk drivers.
Final Word – State Farm SR-22 Insurance
State Farm is the largest car insurance company in the United States, and they insure more drivers than anyone else – including drivers who need SR-22 certificates.
If you need an SR-22 certificate, then request a quote with State Farm. State Farm may be one of the best-rated and best-value insurers in your area for SR-22 coverage.