Best SR22 Insurance
Point Roberts Washington
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Get the Best SR-22 Auto Insurance in Point Roberts

Mid-Columbia Insurance is Point Roberts’s SR22 Insurance Agency and the best place for reliable advice about getting your license back.

We are the best options for SR22 car insurance around Point Roberts. We compare the top-rated car insurance companies that are experts in SR-22 insurance to find who offers the most budget friendly price. If you’re looking to start driving again and want budget friendly SR-22 insurance, you can rely on us to do all the hard work for you.

We eagerly compare each SR22 insurance quote so you can relax and start affordable SR-22 insurance stress-free. Let us get you real insurance quotes from the leading SR-22 car insurance companies so you can choose the 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.

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.

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 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.

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.

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.

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.

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’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.

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.

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.

Top Places to See Around Point Roberts

Saltwater Cafe

27 reviews

American (New), Cafes
1345 Gulf Rd, Point Roberts, WA 98281
Point Roberts International Marketplace

19 reviews

Grocery, Beer, Wine & Spirits, Delis
480 Tyee Dr, Point Roberts, WA 98281
Centennial Beach – Boundary Bay Regional Park

22 reviews

Beaches
12th Ave and Boundary Bay Rd, Delta, BC V4L, Canada
Point Roberts Shell Center

9 reviews

Convenience Stores, Coffee & Tea, Shipping Centers
423 Tyee Dr, Point Roberts, WA 98281
Kiniski’s Reef Tavern

21 reviews

Pubs, American (Traditional), Barbeque
1334 Gulf Rd, Point Roberts, WA 98281
Breakwaters Bar & Grill

5 reviews

Bars, American (Traditional)
725 Simundson Dr, Point Roberts, WA 98281

Just the Facts about Point Roberts

Point Roberts is a pene-exclave of the United States on the southernmost tip of the Tsawwassen peninsula, south of Vancouver, British Columbia, Canada. The area, which had a population of 1,314 at the 2010 census,
is reached by estate by traveling 25 mi (40 km) through Canada. It is a census-designated place in Whatcom County, Washington subsequent to a make known office, and a ZIP Code of 98281. Direct sea and air connections with the U.S. are easy to attain to across Boundary Bay.

Point Roberts was created considering the United Kingdom and the United States arranged the Pacific Northwest American-Canadian affix dispute in the mid-19th century bearing in mind the Oregon Treaty. Both parties completely the 49th parallel would clarify the boundary with their respective territories, and the small area that incorporates Point Roberts is south of the 49th parallel. Questions very nearly ceding the territory to the United Kingdom and well ahead to Canada have been raised before its introduction but its status has remained unchanged.

The area around the southern Tsawwassen Peninsula was a favored fishing spot for several Coast Salish groups, who named the peninsula “q̓ʷulƛ̕əl̕”. The first Europeans to look Point Roberts were members of the 1791 expedition of Francisco de Eliza. The maps produced from Eliza’s explorations depicted Point Roberts as “Isla de Cepeda” or “Isla de Zepeda.” In 1792 the British expedition of George Vancouver and the Spanish expedition of Dionisio Alcalá Galiano encountered one another close Point Roberts. In the hours of daylight of June 13, 1792, the two ships below Galiano sailed into Boundary Bay and verified Point Roberts was not an island, which was appropriately renamed Punta Cepeda. They subsequently sailed something like Point Roberts and brusquely encountered HMS Chatham, the second ship of Vancouver’s expedition. The two parties made approach and utterly to share recommendation and feat together in mapping the Strait of Georgia.

Point Roberts acquired its present name from Vancouver, who named it after his friend Henry Roberts, who had originally been unadulterated command of the expedition. Point Roberts assumed its gift political status in 1846, when the Oregon Treaty extended the 49th parallel as the boundary amid U.S. and British territory from the Rocky Mountains to Georgia Strait.

After years of joint commotion of the disputed area between Mexican California and Russian America known as the Oregon Country to the Americans, and as the Columbia District to the British, American expansionists considering U.S. Senator Edward A. Hannegan of Indiana urged U.S. President James K. Polk to annex the entire Oregon Country occurring to latitude 54°40′N, as the Democrats had been elected upon the slogan “Fifty-Four Forty or Fight”.

Source: Point Roberts, Washington in Wikipedia