Best SR-22 Insurance
Forks Washington
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Buy the Top SR-22 Insurance in Forks

Mid-Columbia Insurance is Forks’s SR22 Insurance Agency and your source for trusted advice about filing an SR22.

We are the economical options for SR22 auto insurance around Forks. We quote the best car insurance companies that specialize in SR-22 insurance to find who offers the most affordable price. If you’re looking to get back on the road and hope to find budget friendly SR-22 insurance, you can depend on us to do all the hard work for you.

We ardently compare each SR-22 insurance quote so you can kick back and get affordable SR-22 insurance worry-free. Get real insurance quotes from the leading SR-22 insurance companies so you can choose the insurance policy that best fits your wallet.

SR-22 FAQs

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.

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.

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.

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 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.

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.

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’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.

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.

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.

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.

Top Places to See By Forks

Sully’s Drive-In

166 reviews

Fast Food, Burgers, Sandwiches
220 N Forks Ave, Forks, WA 98331
BBG Blakeslee’s Bar & Grill

220 reviews

Bars, American (Traditional)
1222 S Forks Ave, Forks, WA 98331
Home Slice Take N Bake

36 reviews

Pizza, Salad, Sandwiches
110 S Forks Ave, Forks, WA 98331
Pacific Pizza

258 reviews

Pizza
870 S Forks Ave, Forks, WA 98331
A Shot In the Dark

65 reviews

Coffee & Tea, American (New)
131 N Forks Ave, Forks, WA 98331
South North Gardens

122 reviews

Chinese
140 Sol Duc Way, Forks, WA 98331

Just the Facts about Forks

Forks, also in the past known as the unincorporated town of Quillayute, is a city in southwest Clallam County, Washington, United States. The population was 3,558 at the 2010 census. At an 2018 estimate from the Office of Financial Management, the population was 3,862. It is named after the forks in the easy to use Quillayute, Bogachiel, Calawah, and Sol Duc rivers.

For many years, the city’s economy was fueled by the local timber industry. More recently it has drawn tourism joined to the novel series Twilight and films of the thesame name, set in Forks. With recent declines in the timber industry, Forks has relied upon the open Clallam Bay Corrections Center and Olympic Corrections Center as sources of jobs. Forks is a popular destination for sport fishers who fish for salmon and rainbow trout in available rivers. It is along with supported by visitors to Olympic National Park.

Forks was past inhabited by the Quileute Native American tribe, before they ceded their territory. In 1889 a reservation was created close Forks the thesame year that Washington became a state. That same year the village was burnt by the side of by settler Daniel Pullen. Forks is 12 miles from tribal burning areas that Place tribes used to regenerate young ferns. The phrase “prairie upstream” from Quileute language was translated and became the declare Forks Prairie.

Early settlers to Forks came via the rivers and trails from the Pacific and the Strait of Juan de Fuca due to the dearth of overland options. In the 1860s, Men from Dungeness unsuccessfully attempted to convince the territorial legislature to Make Quillehuyte County out of Clallam and Jefferson counties’s western ends.

In January 1878 in a mile east of Forks, Luther and Esther Ford arrived and laid allegation to the 160-acre homestead (at the mature there was already a few trappers full of beans in the area). Ford set occurring the first dairy herd in the agreement in 1879. In 1884 a broadcast office opened in Nelson’s cabin. Since another Washington agreement already was named ‘Ford’s Prairie’ the name ‘Forks’ was prearranged as the name. The name ‘Forks’ was due to the prairie’s location as a fork in the vicinity of three rivers.

Source: Forks, Washington in Wikipedia