Does The General Have Good SR-22 Insurance Coverage?
Last Updated on February 5, 2026
The General is best known for covering drivers who need help getting back on the road after a serious driving incident—including drivers who must file an SR-22. If you’re required to carry SR-22 insurance, The General can often issue a policy and handle the SR-22 filing with your state on your behalf.
SR-22 requirements commonly come from the DMV after a lapse in coverage, at-fault accidents, DUIs, or other high-risk driving events. Here’s how The General’s SR-22 process works, what coverage it usually includes, and what to check before you buy.
- SR-22 Is Proof, Not Coverage: “SR-22 insurance” means a normal auto policy plus an SR-22 certificate filed with the state to prove you meet minimum liability requirements.
- Continuous Coverage Matters Most: The biggest SR-22 risk is a cancellation or missed payment—many states treat a lapse as noncompliance and may restart the required filing period.
- Cost Depends on the Violation and Your State: SR-22 premiums vary widely, and the underlying incident (DUI, uninsured driving, etc.) typically impacts pricing more than the filing itself.
- Confirm Filing Details Before You Buy: Make sure the insurer can file in your state, the limits meet DMV rules, and the policy stays active through the full SR-22 requirement period.
- What Is The General’s SR-22 Insurance?
- How Does The General’s SR-22 Insurance Work?
- The General SR-22 Reviews: What Do Customers Have to Say?
- How Much Does The General’s SR-22 Insurance Cost?
- How to Get an SR-22 Insurance Quote from The General
- How Long Do I Need to Carry The General’s SR-22 Insurance?
- Final Word on The General's SR-22 Insurance
- FAQs About The General SR-22 Insurance
What Is The General’s SR-22 Insurance?
“SR-22 insurance” isn’t technically insurance. An SR-22 is a certificate filed with your state that verifies you carry at least the minimum liability insurance required by law. When you buy “SR-22 insurance” through The General, you’re purchasing an auto insurance policy, and The General files the SR-22 certificate for you.
If you’re still learning the basics (including how SR-22 requirements differ by state), this guide may help: cheap SR-22 insurance.
In many cases, the SR-22 is required to reinstate driving privileges. For example, some drivers can’t reinstate a license until they provide proof of insurance via the SR-22.
| SR-22-Related Term | What It Means | Why It Matters |
|---|---|---|
| SR-22 | A certificate proving you carry the required liability insurance. | Typically required to keep or reinstate driving privileges after certain violations. |
| SR-22 “insurance” | Regular auto insurance with an SR-22 filing attached. | The policy provides coverage; the SR-22 is proof filed with the state. |
| Non-owner SR-22 | A policy for drivers who need an SR-22 but don’t own a vehicle. | Helps meet legal requirements if you borrow or occasionally drive someone else’s car. |
| FR-44 | A similar financial responsibility filing required in certain situations (most commonly in Florida and Virginia). | Often comes with higher required liability limits than an SR-22. Learn more: FR-44. |
How Does The General’s SR-22 Insurance Work?
The General’s SR-22 coverage works like a standard auto insurance policy with liability insurance as the foundation. If you cause an accident, liability coverage can help pay for the other person’s injuries and property damage—up to the limits you selected.
Most drivers filing an SR-22 are required to carry (at minimum) liability insurance that meets their state’s minimum limits. Every state (except New Hampshire) requires drivers to meet a financial responsibility standard, and in most states that means carrying an active liability policy.
What Liability Coverage Usually Includes
| Coverage Type | What It Pays For | Common SR-22 Mistake to Avoid |
|---|---|---|
| Bodily injury liability | Injuries to other people (medical bills, lost wages, legal defense, and related costs, depending on the claim). | Choosing state minimum limits that are too low for your financial risk. |
| Property damage liability | Damage you cause to someone else’s property (most often the other vehicle, but it can include buildings, fences, etc.). | Assuming it pays for your car—property damage liability does not cover your vehicle. |
Drivers with SR-22 requirements can often add extra protection (like collision and comprehensive) if they want broader coverage. However, the SR-22 filing itself is primarily about proving you maintain the minimum required liability insurance.
Quick tip: The fastest way to run into SR-22 problems is a cancellation or missed payment. Most states treat a lapse as a serious compliance issue, and you may have to restart your SR-22 “clock” even if you were close to finishing the requirement.
The General SR-22 Reviews: What Do Customers Have to Say?
The General focuses on non-standard auto insurance, which often means it serves higher-risk drivers who may have fewer carrier options. Because of that niche, it doesn’t always show up the same way larger “standard market” carriers do in every third-party ranking.
For example, J.D. Power publishes studies that typically evaluate consumer experiences among major insurers and specific market segments. If you don’t see The General in a particular study, it doesn’t automatically mean the company is “bad”—it may simply be outside that study’s brand set or market focus.
In practice, the most useful way to evaluate an SR-22 insurer is to focus on the things that matter during the requirement period: whether the company can file in your state, how quickly they file, how easy it is to keep the policy active, and whether you can afford the premium for the full SR-22 term.
It can also help to understand the company’s background. The General previously operated within the American Family group, and as of 2025 it operates as part of Sentry Insurance. Ownership changes don’t automatically change your coverage, but they can affect operations, support, and long-term strategy over time.
How Much Does The General’s SR-22 Insurance Cost?
The cost of The General’s SR-22 insurance depends on the same factors as any auto policy—especially the reason you need the SR-22, how recently it occurred, your location, and the coverage limits you choose. The SR-22 itself is usually associated with a filing fee, but the bigger cost driver is typically the underlying violation (for example, a DUI or driving uninsured).
If you want to see how pricing works for The General specifically, start here: The General car insurance cost.
| What Affects SR-22 Premiums | Why It Changes the Price | What You Can Do |
|---|---|---|
| Reason for the SR-22 | More severe violations usually raise premiums more and may require higher limits. | Maintain continuous coverage and avoid new violations during the SR-22 period. |
| State requirements and filing rules | Each state sets minimum limits and how SR-22 compliance is monitored. | Follow the DMV’s instructions closely and confirm the SR-22 was accepted. |
| Coverage level (limits + optional coverages) | Higher limits and added coverages generally increase premium. | Choose limits that protect your assets, then compare quotes to control cost. |
| Payment history during the SR-22 term | Late payments can lead to cancellation, which can trigger penalties or restarts. | Use autopay or reminders so the policy never lapses. |
The General also offers ways to reduce the premium beyond just “waiting it out,” including eligibility-based savings. Learn more here: The General auto insurance discounts.
How to Get an SR-22 Insurance Quote from The General
The General offers SR-22 filings in many states, but not always everywhere and not always for every situation. The easiest way to confirm availability is to request a quote and tell the agent or online application that you need an SR-22 filing.
To start, you can contact The General or use The General’s official SR-22 information page: SR-22 Insurance at The General.
When shopping, it helps to compare more than one offer. SR-22 pricing can vary dramatically by insurer, even with the same driving record and coverage limits.
Visit TheGeneral.com or call The General’s helpline at 1-844-327-9870 to request a quote and confirm SR-22 filing details for your state.
How Long Do I Need to Carry The General’s SR-22 Insurance?
Your state DMV (or court) sets the SR-22 requirement period. The required term depends on your state’s rules and the reason for the filing. For a state-by-state breakdown and what can cause the timeline to reset, review: how long an SR-22 lasts.
Two important details often surprise drivers:
- The “start date” for the requirement can vary (incident date, conviction date, suspension date, or reinstatement date, depending on your state).
- A policy cancellation or lapse during the requirement period can trigger penalties and may force you to restart the SR-22 requirement.
If you plan to switch insurers mid-requirement, confirm that the new policy is active before the old one cancels, and verify that the new company filed the SR-22 correctly with the state.
Final Word on The General’s SR-22 Insurance
The General is a common option for drivers who need SR-22 filings because the company focuses on non-standard auto insurance and is built to handle high-risk policies. If you need an SR-22, the key is choosing a policy you can keep active for the entire requirement period—without missed payments or cancellations.
Before you buy, confirm (1) the SR-22 filing is available in your state, (2) the policy limits meet your DMV requirements, and (3) the payment plan fits your budget for the full SR-22 term. Then compare quotes with other insurers to make sure you’re not overpaying.
