How to Get SR-22 Auto Insurance from Geico in 2024 (Follow These 5 Steps)
To get SR-22 auto insurance from Geico, follow a clear process that includes gathering your information, contacting an agent, and understanding your coverage options. SR-22 filings can increase insurance costs, often by 50% or more. By taking the right steps, you can ensure compliance and potentially save on premiums.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Sep 19, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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The way you get SR-22 auto insurance from Geico involves several straightforward steps designed to help high-risk drivers meet their insurance requirements. Start by gathering essential information about your driving history and vehicle details, which will streamline the process.
Next, contact Geico directly to discuss your coverage options and understand any associated costs, including the SR-22 filing fee. By following these steps, you can ensure compliance with state laws while potentially finding competitive rates that suit your needs.
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- Step #1: Gather Info – Collect your driver’s license, vehicle details, and others
- Step #2: Contact Geico – Call Geico for SR-22 insurance assistance
- Step #3: Discuss Coverage – Explore coverage options and costs
- Step #4: Complete Application – Fill out the SR-22 filing forms
- Step #5: Pay Fee – Submit the fee to file your SR-22 with the DMV
Step #1: Gather Information
Before contacting Geico for SR-22 insurance, gather all necessary information. This includes your driver’s license number, vehicle details, and any prior insurance information. Additionally, be prepared to discuss your driving history, including any incidents that led to the need for SR-22 filing.
Having this information on hand will streamline the process and help the agent provide you with accurate quotes. Learn more information on our guide titled “How to Get Auto Insurance Without a License.”
Auto Insurance Monthly Rates by Provider & Driving Record
Companies Clean Record One Accident One Ticket One DUI
$161 $210 $183 $292
$179 $266 $220 $406
$224 $310 $252 $361
$229 $283 $259 $379
$235 $283 $266 $303
$283 $398 $334 $331
$287 $357 $355 $478
$288 $377 $340 $393
$318 $416 $374 $522
$398 $517 $475 $634
The table above shows what you could pay for SR-22 insurance with a DUI from the top auto insurance companies in the country.
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Step #2: Contact Geico
Once you have all your information ready, the next step is to contact Geico. You can call their dedicated line at 1-800-861-8380 for assistance. If you’re already a Geico customer, it’s best to reach out directly to your agent at 1-877-206-0215 to get a Geico quote.
Before proceeding, it’s a good idea to read a Geico auto insurance review to ensure you’re making an informed decision. This will ensure that your Geico SR-22 is filed correctly and that you’re informed about any additional steps or fees involved in the process.
#3: Understand Your Coverage
After initiating contact with Geico, it’s essential to discuss and understand your coverage options. SR-22 insurance Geico insurance typically involves higher premiums due to its association with high-risk auto insurance for high-risk drivers.
Take the time to ask your agent about different coverage levels and any potential discounts that may apply. This will help you make an informed decision that balances necessary coverage with cost.
Step #4: Complete the Application
Once you’ve selected the right coverage, you will need to complete the application process. This typically involves filling out forms that detail your personal information, driving history, and the specifics of the SR-22 filing.
Your Geico agent will guide you through this step, ensuring all necessary information is captured accurately to avoid any delays in processing your SR-22. For more insights, you can also refer to our “Progressive SR-22 Insurance Review”, which may provide additional information on how other providers handle the process.
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Step #5: Pay the Filing Fee
After your application is processed, you’ll need to pay the Geico certificate of insurance filing fee, which generally ranges from $15 to $35, depending on your state. This fee is required for Geico to submit your SR-22 form to the DMV on your behalf.
Be sure to ask about how auto insurance companies check driving records and how much is SR-22 that may be associated with your policy, so you’re fully aware of your total costs before finalizing your insurance.
Understanding Geico SR-22 Insurance Costs
Is SR-22 cheaper than regular insurance? Unfortunately, no. SR-22 Geico is generally more expensive than regular auto insurance. On average, how much is an SR-22? It can cost between $140 and $150 per month. However, rates can vary based on your location and driving record.
Who has the cheapest SR-22 insurance? Geico and USAA are the cheapest companies for drivers with DUIs and SR-22 filings. However, USAA is only available to active and retired military members and their families. If you are not eligible, Geico could be a competitive choice for SR-22. Obtain more knowledge on USAA with our USAA auto insurance review.
Every insurance company will consider your risk level differently, and each will have different rates for different types of high-risk drivers. Your state laws will also impact how much you pay for auto insurance, so it is important to look at at least three different high-risk companies before you buy.
Do you need a high-risk auto insurance company? Just because you need SR-22 insurance does not mean you cannot find affordable coverage. Invest some time comparing multiple SR-22 quotes before you buy auto insurance from Geico or any other insurer. That way, you can see which company can actually offer you the most competitive rates.
Identifying the Need for SR-22 Insurance
If a court recently revoked your license for reckless or drunk driving charges, multiple speeding tickets, or missed child support payments, then you will be required to file an SR-22 to reinstate your driving privileges. Can I keep auto insurance with a revoked driver’s license? Contact your local DMV to find out what does SR-22 mean.
SR-22 filings are for high-risk drivers who cannot find coverage with standard auto insurance companies due to their increased risk. Contact your local DMV to find out if you need to file an SR-22.
What types of drivers need high-risk auto insurance coverage? High-risk drivers have charges on their driving or criminal records that either increase the likelihood of filing a claim, cost them their driving privileges, or both. Typically, driving without a valid license or up-to-date insurance coverage will result in license revocation. Multiple moving violations can also cost you your license.
SR-22 isn’t insurance—it’s a form filed with the DMV to prove you meet state minimum insurance requirements after a serious violation like a DUI or reckless driving.Tracey L. Wells Licensed Insurance Agent & Agency Owner
Suppose you lost your driving privileges after an auto accident or moving violation. In that case, you must file an SR-22 with your DMV to prove you carry your state’s minimum level of auto insurance and reinstate your driver’s license.
Now that you know how to get Geico SR-22 insurance, start shopping around with companies to see which offers the best rates.
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Your Path to SR-22 Auto Insurance Coverage from Geico
Navigating the process of obtaining Geico SR-22 insurance can seem daunting, but by following the outlined steps, you can ensure compliance and find the best coverage options for your needs. Remember to gather all necessary information, contact Geico for personalized assistance, and compare quotes from different insurers to secure competitive rates. Consider using the Geico number quote for faster processing.
While SR-22 insurance may come with higher auto insurance premiums, being proactive in your approach can help you manage costs effectively. Start your journey today and regain your driving privileges with confidence. Enter your ZIP code below to compare affordable auto insurance quotes from the high-risk insurers in your neighborhood for free.
Frequently Asked Questions
What should I do before purchasing Geico SR-22 insurance?
Before purchasing Geico SR22, it’s recommended to compare quotes from different high-risk auto insurance companies to ensure you’re getting the best rates. Enter your ZIP code to view companies that offer cheap auto insurance rates and make an informed decision.
Is SR-22 insurance more expensive than regular insurance?
Yes, SR-22 insurance is generally more expensive than regular insurance. On average, it can cost between $140 to $150 per month. However, rates can vary based on your location and driving record. Delve more insights on our guide “Cheap Auto Insurance for a Bad Driving Record.”
Who offers the cheapest SR-22 insurance?
Geico and USAA are often considered the cheapest options for drivers with SR-22 filings, particularly for those with DUIs. However, USAA is only available to active and retired military members and their families. It’s essential to compare quotes from multiple insurers to find the most affordable coverage for your specific situation.
How do I know if I need SR-22 insurance?
If your license has been revoked due to offenses like reckless driving, DUI, multiple speeding tickets, or missed child support payments, you will likely need to file an SR-22 to reinstate your driving privileges. Contact your local DMV to find out what does SR-22 mean and confirm whether you need to file one.
Can I switch insurance companies while I have an SR-22 filing?
Yes, you can switch auto insurance companies while you have an SR-22 filing. However, it’s important to ensure that the new insurance company is willing to file the SR-22 on your behalf before canceling your existing policy. Be sure to get Geico insurance quotes online before making a decision.
Can I get SR-22 insurance if I don’t own a car?
Yes, you can get non-owner SR-22 Geico if you don’t own a car but still need to meet the SR-22 filing requirements. This type of insurance provides liability coverage when you borrow or rent vehicles. Be sure to ask about how much is SR-22 insurance with Geico before purchasing the policy. Start by entering your ZIP code to view auto quote Geico options and see which companies offer the best rates in your area.
Can I remove the SR-22 requirement before my mandated filing period ends?
No, the SR-22 requirement must be maintained for the entire duration mandated by your state (usually 3 years). If the policy lapses or is canceled, your insurance company must inform the DMV, which could result in license suspension or other penalties.
How will my insurance rates change after the SR-22 requirement is lifted?
Once the SR-22 filing period ends, it may lower your auto insurance rates, but this depends on your overall driving history. If you maintain a clean record, you may qualify for standard insurance rates again, though some violations may continue to affect your premium for several years.
Does SR-22 insurance cover other drivers who use my car?
SR-22 insurance typically covers the policyholder, but depending on your coverage, it might extend to other drivers listed on your policy. Always clarify with your insurance provider if others who drive your vehicle are covered under the SR-22 filing.
Can I file SR-22 insurance if I move to another state?
Yes, if you move to another state while still under SR-22 requirements, you must maintain SR-22 insurance in your new state. Ensure your new insurance provider files the SR-22 in both your previous and current states if necessary.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.