Best SR22 Insurance
Mercer Island Washington
Owner & Non-Owner SR-22s

Broad Form Insurance Shop

Find the Most Affordable SR 22 Insurance in Mercer Island

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

We are the low-cost options for SR 22 auto insurance around Mercer Island. We analyze the best auto insurance companies who are experts in SR-22 insurance to see who provides the least expensive rate. If you want to get back on the road and need affordable SR22 insurance, you can count on us to do all the hard work for you.

We diligently compare each SR22 insurance quote so you can breath easy and get low-cost SR-22 car insurance worry-free. Get real insurance quotes from the leading SR22 auto insurance companies so you can find the insurance policy that best fits your wallet.

SR 22 Frequently Asked Questions FAQs

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 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.

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.

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.

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 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.

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’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 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 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.

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.

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Just the Facts about Mercer Island

Mercer Island is a city in King County, Washington, United States, located upon an island of the thesame name in the southern part of Lake Washington. Mercer Island is in the Seattle Metropolitan Area, with Seattle to its west and Bellevue to its east.

Mercer Island is united to the mainland on both sides by bridges carrying Interstate 90. The Lacey V. Murrow Memorial Bridge and the parallel Homer M. Hadley Memorial Bridge are drifting bridges that span Lake Washington and carry, respectively, eastbound and westbound lanes of Interstate 90 and be next-door to Mercer Island to the northern allowance of Seattle’s South End. I-90 traverses the northern allowance of Mercer Island and is then carried from the island to Bellevue on pinnacle of the East Channel of Lake Washington by the East Channel Bridge. Mercer Island is located closer to Bellevue than it is to Seattle, and is as a result often considered to be allocation of King County’s Eastside.

The population was 22,699 at the 2010 census and an estimated 25,894 in 2019. Mercer Island is the most populated island in a lake within the United States.[better source needed] The ZIP code 98040 is unique to Mercer Island. Mercer Island has the fifth highest per-capita pension in the disclose of Washington and is one of the 100 richest ZIP codes in the USA according to the IRS figures for Adjusted coarse Income.

The western side of the island was home to two Snoqualmie villages prior to white harmony in the Puget Sound region. Mercer Island, named for the Mercer family of Seattle, was first granted between 1870 and 1880. The Mercer brothers often rowed between the island and Seattle to pick berries, hunt, and fish. Those brothers, Thomas Mercer and Asa Mercer, were members of the Mercer relations of Virginia. The first large settlement, East Seattle, was toward the northwest side of the island—near the McGilvara neighborhood. During 1889, a C C Calkins built a large and gilded resort, the Calkins Hotel. The hotel was reached via steamboat in the midst of Madison Park, Leschi Park, and the Eastside. Guests included President Benjamin Harrison, of 1901, amongst other well-to-do dignitaries from Seattle to the East Coast of the United States. Burned by a perplexing fire, the hotel was razed during 1908.[citation needed]

The Calkins Landing continued assist and presumably aided the initiation of a more steadfast population. A denser urban community with situation district developed toward the central northern island together with the McGilvra neighborhood and Luther Burbank Park. This community now composes the majority of the island’s crest through the Middle Island neighborhood.[citation needed]

Source: Mercer Island, Washington in Wikipedia