Allstate typically charges a filing fee of $15 to $25 for an SR-22 form, which is added to your insurance policy to prove you meet your state’s minimum liability coverage requirements. The exact amount can vary depending on your state’s regulations. In addition to the filing fee, having an SR-22 on your record may result in higher insurance premiums, as it indicates you are considered a high-risk driver.
Factors Influencing SR-22 Costs with Allstate
- Filing Fee
- This is a one-time charge for Allstate to file the SR-22 form with your state’s Department of Motor Vehicles (DMV) or equivalent agency.
- Increased Premiums
- Drivers requiring an SR-22 are typically considered high-risk, which can result in higher insurance rates. Factors that may influence your premiums include:
- The severity of the violation (e.g., DUI, reckless driving).
- Your overall driving history.
- The type of coverage and limits you select.
- Drivers requiring an SR-22 are typically considered high-risk, which can result in higher insurance rates. Factors that may influence your premiums include:
- State Requirements
- Some states have stricter SR-22 filing requirements, which may affect the overall cost of your policy.
Example Costs
- SR-22 Filing Fee: $15–$25 (one-time).
- Increased Premiums: Depending on the violation and your driving history, premiums could increase by 50% to 100% or more.
For example, if your current premium is $1,200 annually, adding an SR-22 requirement could increase it to $1,800–$2,400 per year.
Steps to Get SR-22 Insurance with Allstate
- Contact Allstate
- Call Allstate customer service at 1-800-255-7828 or visit a local agent to request SR-22 coverage.
- Provide Necessary Information
- Be prepared to provide details about your violation, driver’s license, and vehicle.
- Review Coverage Options
- Work with Allstate to select a policy that meets your state’s SR-22 requirements, including liability limits and any additional coverage you may need.
- File the SR-22
- Allstate will file the SR-22 form with the state on your behalf once your policy is active.
Tips to Manage SR-22 Costs
- Maintain a Clean Record: Avoid further violations or accidents to improve your risk profile over time.
- Shop Around: Compare rates from different insurers to find the most affordable SR-22 coverage.
- Increase Deductibles: Opting for higher deductibles on your policy can help lower your premiums.
- Ask About Discounts: Inquire about Allstate discounts, such as safe driving or multi-policy discounts, to offset costs.
Final Thoughts
While the SR-22 filing fee with Allstate is relatively low, the associated increase in premiums can significantly impact your insurance costs. By maintaining a clean driving record and exploring available discounts, you can manage these costs more effectively. At Rate Frog, we help you compare insurance options to find the best coverage for your needs. Visit our platform today to secure affordable SR-22 insurance and ensure compliance with your state’s requirements!