// Top SR22 Insurance Prices • Bremerton WA

Best SR22 Insurance
Bremerton Washington
Owner & Non-Owner SR-22s

Broad Form Insurance Shop

Buy the Top SR 22 Auto Insurance in Bremerton

Mid-Columbia Insurance is Bremerton’s SR22 Insurance Agency and the best place for reliable facts about reinstating your license.

We are the options for SR 22 car insurance anywhere near Bremerton. We compare the top-rated car insurers who are experts in SR22 insurance to locate who provides the most competitive rate. If you need to get back on the road and need budget friendly SR22 insurance, you can rely on us to do all the hard work for you.

We enthusiastically compare each SR22 insurance quote so you can relax and buy reasonable SR-22 vehicle insurance stress-free. Get real insurance quotes from the leading SR22 insurance companies so you can find the insurance policy that best fits your wallet.

SR-22 FAQs

What happens if I am late paying my SR22 insurance?

Paying late can trigger a notice to the DOL saying your policy is in danger of cancellation. Your insurance company must keep the state notified of your policy status. A notice may be sent to the state saying your policy is cancelled while you are actually in a grace period because of mail and processing delays.

Late payment frustrations can be huge. Multiple calls to the DOL and your insurance company, proving to the DOL you have coverage, and trying to get avoidable DOL fees removed just because you got behind on your car insurance premiums.

How long is an SR22 insurance form required?

An SR22 is usually required for 3 years but can vary based on the offense. You should contact the Department of Licensing (DOL) directly to find out the exact date you no longer need an SR22 since the 3-year requirement may start from the date you got the ticket, the conviction date, or the date when you finally reinstated your license.

Be sure not to cancel your SR22 before the requirement is lifted since your insurer is required to inform the DOL that you no longer have an SR22 and your license could be suspended or revoked again. A simple call to the DOL is usually all that is required to find out how long you will need to carry the SR22.

What is an SR22 insurance policy?

An SR22 is simply a certificate sent electronically to the Department of Licensing (DOL) that documents you have active car insurance. Sometimes an SR22 is referred to as a Certificate of Financial Responsibility filing.

Although referred to as “SR-22 insurance,” An SR-22 is not actually insurance but instead is simply an endorsement to regular insurance policy. This endorsement is filed with the state as proof that you have insurance. The SR22 notifies the state that you have insurance in force and promises to notify them if your policy cancels.

I don’t own a car, do I still need to file an SR22?

If your license has been suspended, whether you own a car or not is irrelevant. You will need an SR22 if you plan on getting your license reinstated. If you were told by the Department of Licensing that you need to get an SR22 to restore your driving privileges, give us a call!

If you don’t own a car and need an SR22, no problem. Washington drivers are eligible for a Broad Form insurance policy that provides coverage for any car you drive for personal use — owned or non-owned. We are the Broad Form SR22 Insurance experts.

Do I need SR22 and regular insurance?

No, you do not need both regular insurance and SR22 insurance since an SR22 is simply a rider on a regular insurance policy. However, you may not want to jeopardize your preferred insurance policy by informing your insurance agent that you need an SR22. If this is the case you can keep you preferred “full coverage” policy and get a separate barebones policy to handle the SR22.

How much does SR22 insurance cost a month?

Most insurance companies charge about $5 per month to file your SR22 with the Department of Licensing. Dairyland Insurance, one of our premier insurance partners, will do the SR22 filing for free, not charging anything extra for handling the SR22 for you. Other insurers not only charge the $25 filing fee but also surcharge your policy.

This is why it is important to work with an independent agency like Mid-Columbia Insurance that partners with multiple companies to be sure you are getting more than one option to choose from.

What if I need an SR22 in one state but live in another state?

Normally your SR22 is required to be filed with the state where you received the ticket but your policy has to be in your home state. So you will have to find an insurance company in your home state that can file the out-of-state SR22 for you. This is another good reason to use an independent agency like Mid-Columbia Insurance since we represent a number of companies, each able to file SR22s in various states.

What’s the difference between SR22 and regular insurance?

The difference between SR22 Insurance and regular insurance is that an SR22 is simply an electronic insurance card that the insurance company sends to the Department of Licensing (DOL) to notify them that you have regular insurance. An SR22 is not insurance. It is proof of insurance.

Where do you get SR22 insurance?

If you currently have insurance you can ask your agent to add the SR22 to your existing policy. If you don’t have insurance then you must start an insurance policy with an SR22 filing

Some preferred insurance carriers, if you inform them you need an SR22, might at renewal raise your rates significantly or cancel your policy. If you don’t want to jeopardize your existing coverage, talk to us about a Broad Form SR22 policy. It can be very inexpensive and should allow you to keep your preferred rates.

Why is an SR22 insurance filing required?

An SR22 is normally required to reinstate your driving privileges after being convicted of a serious driving offense. You’ll know you need an SR22 and for how long when you are informed by the court. An SR22 may be required for a variety of reasons. Some of the most common reasons an SR22 may be required include:

  • Driving under the influence (DUI) (aka driving while intoxicated (DWI)) or other alcohol related violations
  • Serious traffic offense convictions, such as reckless or negligent driving
  • Several traffic offenses in a short time period
  • Driving with a suspended license
  • At-Fault accident while driving without insurance, and even
  • Driving without insurance in Oregon (even though you live in Washington)

The SR-22 requirement just means that proof of insurance has to be sent to the state and is one step towards getting your license reinstated and getting you back on the road.

What happens if my SR22 insurance cancels?

If you are required to have an SR22 filing and you allow your policy to cancel for non-payment, you could face having to pay reinstatement fees and penalties with the DOL.

When your SR22 policy cancels or lapses, your insurance company is legally required to send an SR-26 form to the state to let them know that your policy is no longer active. If not handled promptly, the state will re-suspend your driver’s license and you will need to jump through all the hoops and pay all the fees required to reinstate your license once again.

What is Non-Owner SR22 insurance?

Getting an SR22 added to a new Non-Owner insurance policy can be a cheap solution if you already have all your vehicles insured with a preferred company and you don’t want to move the insurance to a high-risk insurance company. Your original policy would be your primary insurance and your SR22 policy would provide the required SR22 without switching your primary insurance.

In Washington state we have a broad form policy that is a better option for those needing a stand-alone SR22 policy than a non-owned policy because non-owned policies don’t cover many borrowed vehicles but a broad form policy will. So, if you don’t want to lose your primary insurance provider due to your SR22 requirement, buying a separate broad form SR22 policy to handle the SR22 requirement may be a smart move.

Can I get SR22 insurance without a car?

Yes, if you do not own a car but are required to have an SR22 then the solution in Washington state is either a non-owners or a broad form insurance policy. These types of policies will offer the same coverage as a regular insurance policy without limiting coverage to specific vehicles.

A broad form policy is a smart choice for someone who does not own a car but needs an SR22 and wants to be able to drive. Once you get a car you can either get a policy on that car or keep your broad form policy since it covers owned and non-owned vehicles.

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Just the Facts about Bremerton

Bremerton is a city in Kitsap County, Washington, United States. The population was 37,729 at the 2010 census and an estimated 41,405 in 2019, making it the largest city upon the Kitsap Peninsula. Bremerton is house to Puget Sound Naval Shipyard and the Bremerton Annex of Naval Base Kitsap. Bremerton is connected to downtown Seattle by two ferries: a 60-minute ferry that carries both vehicles and walk-on passengers, and a 28-minute quick Ferry that carries passengers and a limited number of bicycles.

Bremerton is within the historical territory of the Suquamish people. The land was made manageable for non-Native pact by the Treaty of Point Elliott of 1855. Bremerton was planned by German immigrant and Seattle opportunist William Bremer in 1891. In that year, Navy Lieutenant Ambrose Barkley Wyckoff purchased approximately 190 acres (77 ha) of marina land on Sinclair Inlet. This house was owned by the Bremer family. Three years earlier, a U.S. Navy commission distinct that Point Turner, between the protected waters of the Sinclair and Dyes inlets, would be the best site in the Pacific Northwest upon which to verify a shipyard. Recognizing the large number of workers such a knack would employ, Bremer and his business partner in crime and brother-in-law, Henry Hensel, purchased the undeveloped land close Point Turner at the inflated price of $200 per acre. In April 1891, Bremer established for the sale of 190 acres (0.77 km2) to the Navy at $50 per acre. This estate became part of the initial footprint of the Puget Sound Navy Yard.

Bremerton was incorporated upon October 15, 1901, with Alvyn Croxton serving as the city’s first mayor. Progress in the other city soon faced a major crisis, as Assistant Secretary of the Navy Charles Darling moved everything repair perform to the Mare Island Navy Yard in California in November 1902. Darling cited reports from commanders that the Bremerton port was rife taking into consideration prostitution, opium houses and frequent strongarmed robberies of sailors. Politics were probably with at play, as local newspapers reported that the city’s immersion left the shipyard truly landlocked without room to expand. A disagreement ensued surrounded by Mayor Croxton, who wanted to shutter anything saloons in Bremerton, and three members of the city council, who attempted to block his efforts. Croxton eventually won out, and the council voted to revoke everything liquor licenses in June 1904. With the ban, Darling reestablished the navy yard as a harbor of call. Saloons had begun to return to concern within two years, however.

In 1908, the city library and Union High School were received to relieve the intellectual needs of the 2,993 residents recorded in the 1910 U.S. Census. During World War I, submarine construction and the auxiliary of a third drydock caused the shipyard’s workforce to balloon to exceeding 4,000 employees. Growth due to the lawsuit effort and the 1918 annexation of the city of Manette, east of Bremerton upon the Port Washington Narrows, can be seen in the 1920 census, which reported a population of 8,918. Bremerton absorbed Charleston, its neighboring city to the south in 1927. The population reached 10,170 in 1930.

Manette was associated to Bremerton by the Manette Bridge, a 1,573-foot (479 m) bridge constructed in June 1930. Prior to this time, the vacation could unaided be made by ferry or a long vacation around Dyes Inlet through Chico, Silverdale, and Tracyton on mostly unimproved roads. This wooden bridge was replaced considering a concrete and steel structure in October 1949. It was replaced by the additional Manette Bridge in 2011. At the shipyard, the 250-foot tall (76 m) Hammerhead Crane No. 28 was completed in April 1933. One of the nation’s largest, it is adept of lifting 250 tons and continues to dominate the Bremerton skyline.

Source: Bremerton, Washington in Wikipedia