How To Get SR-22 Insurance From GEICO
You can get GEICO SR-22 insurance by calling 1-800-861-8380. SR-22 forms are not insurance but an official filing with the DMV that proves you carry at least the minimum level of auto insurance. If you have GEICO auto insurance, an agent will file the SR-22 proof of insurance with the DMV on your behalf.
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UPDATED: Apr 29, 2022
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- You can get GEICO SR-22 insurance online by visiting the GEICO website and choosing “yes” when prompted with, “Need a Certificate of Financial Responsibility or SR-22?”
- Drivers can also buy GEICO SR-22 insurance by calling 1-800-861-8380.
- SR-22 will raise your auto insurance rates, so compare multiple high-risk auto insurance quotes before deciding on a company.
Does GEICO have SR-22? Yes, GEICO offers SR-22 insurance to high-risk drivers with DUI or reckless driving offenses on their records. SR-22 filings are one of the major factors that affect auto insurance rates, but you can save money by comparing GEICO SR-22 insurance quotes to other insurers in your neighborhood.
If you need an SR-22, keep reading our guide to learn how to get SR-22 insurance from GEICO. We will show you step-by-step how to sign up for SR-22 with GEICO and help you compare SR-22 auto insurance quotes from multiple companies so you can get the best rates.
Before you learn how to buy GEICO SR-22 insurance, let us help you find cheap SR-22 insurance near you. Enter your ZIP code above to start comparing auto insurance quotes for free today.
How to Get SR-22 Insurance From GEICO
If you are not a GEICO customer, follow these steps to get SR-22 insurance from a GEICO agent:
- Visit the GEICO.com website and choose “auto insurance” and “Start My Quote,” as you see in the photo above.
- On the next screen, choose “Yes” when you are prompted with, “Need a Certificate of Financial Responsibility or SR-22?”
- Buy a policy, and the agent will file the SR-22 for you.
You can also buy SR-22 auto insurance from GEICO customer service over the phone at 1-800-861-8380.
If you already carry a GEICO policy, the easiest way to buy SR-22 insurance is to contact an agent directly at 1-877-206-0215. The agent will file your SR-22 with the state DMV, and you will pay the required filing fee (usually between $15-$35 depending on where you live).
How to Get GEICO SR-22 Non-Owner Insurance
Non-owner auto insurance policies are designed for drivers who do not own a vehicle but borrow vehicles often.
GEICO provides SR-22 non-owner insurance, and you can buy a policy by contacting 1-800-861-8380.
On average, non-owner insurance costs $311 per year. However, with SR-22 filings, you’ll be considered a high-risk driver, and insurance companies will charge you more expensive rates.
Do not assume GEICO offers the most competitive rates. Check for yourself by comparing auto insurance quotes from multiple companies before you buy.
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How much does GEICO SR-22 insurance cost?
Is SR-22 cheaper than regular insurance? Unfortunately, no.
On average, SR-22 insurance can cost between $1,700-1,800 per year (or $140-$150/mo), but your SR-22 insurance rates will vary based on where you live and the charges on your driving record.
Take a look at the table below to see what you could pay for SR-22 insurance with a DUI from the top auto insurance companies in the country:
Average Annual Auto Insurance Rates by Driving Record
Companies Average Annual Rates with a Clean Record Average Annual Rates with 1 Accident Average Annual Rates with 1 DUI Average Annual Rates with 1 Speeding Violation
USAA $1,933.68 $2,516.24 $3,506.03 $2,193.25
GEICO $2,145.96 $3,192.77 $4,875.87 $2,645.43
American Family $2,693.61 $3,722.75 $4,330.24 $3,025.74
Nationwide $2,746.18 $3,396.95 $4,543.20 $3,113.68
State Farm $2,821.18 $3,396.01 $3,636.80 $3,186.01
Progressive $3,393.09 $4,777.04 $3,969.65 $4,002.28
Travelers $3,447.69 $4,289.74 $5,741.40 $4,260.80
Farmers $3,460.60 $4,518.73 $4,718.75 $4,079.01
Allstate $3,819.90 $4,987.68 $6,260.73 $4,483.51
Liberty Mutual $4,774.30 $6,204.78 $7,613.48 $5,701.26
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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.
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.
How do I know if I need 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.
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.
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. Enter your ZIP code below to compare affordable auto insurance quotes from the high-risk insurers in your neighborhood for free.