SR-22 vs. Nonstandard Auto Insurance: What’s the Difference?

Navigating car insurance can be confusing, especially if you’ve been told you need an SR-22 or have trouble finding a standard policy. At Volunteer Sales & Marketing DBA Hometown Insurance, we understand that drivers may face unique challenges when it comes to meeting insurance requirements. Our team is here to help you understand various insurance-related subjects, including SR-22s and nonstandard coverage options, so that you can make informed and necessary decisions.

What Is an SR-22?

An SR-22 is not actually an insurance policy, but rather a certificate your insurer files with the state to prove you carry the minimum required auto liability coverage. In Georgia, you may be required to obtain an SR-22 following certain driving violations, such as driving while intoxicated, failing to carry compliant auto insurance or committing multiple traffic offenses in a short period of time. In many cases, you’ll be ordered to maintain an SR-22 for three years. Any lapses in coverage during this time could extend this period.

What Is Nonstandard Auto Insurance?

Nonstandard auto insurance is typically designed for drivers who may have difficulty qualifying for standard policies due to factors like a poor driving record, lapses in coverage or other risk indicators. This type of policy can provide many of the same financial protections as standard auto insurance, but is tailored for those considered higher risk by insurers and may come with higher costs. For those potentially deemed too risky by some insurers, including those who may require an SR-22, nonstandard auto insurance can help drivers get back on the road while maintaining legal compliance.

How We Can Help

At Volunteer Sales & Marketing DBA Hometown Insurance, we specialize in helping Georgia drivers find and maintain appropriate coverage. Whether you need an SR-22 filing, nonstandard auto insurance or both, our team can work with you to find solutions that fit your situation and budget.

If you have questions about SR-22 and nonstandard auto insurance in or around Dallas, GA, contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.