Cheapest SR 22 Insurance
Ritzville Washington
Get Your Drivers License Back

Broad Form Insurance Shop

Buy the Top SR 22 Auto Insurance in Ritzville

Mid-Columbia Insurance is Ritzville’s SR22 Insurance Agency and the best place for reliable info about filing an SR22.

We are the cheapest options for SR22 insurance near Ritzville. We analyze the best car insurance companies that specialize in SR-22 insurance to find who provides the most competitive rate. If you want to get back on the road and hope to find cheap SR22 insurance, you can count on us to do all the hard work for you.

We eagerly compare each SR22 insurance quote so you can enjoy serenity and buy cheap SR-22 auto insurance worry-free. Get real insurance quotes from the leading SR22 car insurance companies so you can choose the insurance policy that won’t break your wallet.

SR-22 Frequently Asked Questions FAQs

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.

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.

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.

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.

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.

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 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.

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.

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.

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 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.

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.

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.

Best Things to See By Ritzville

Cow Creek Mercantile

122 reviews

Pizza, American (Traditional), Chocolatiers & Shops
1611 S Smitty’s Blvd, Ritzville, WA 99169
Mi Jalisco

19 reviews

Mexican
214 W Main St, Ritzville, WA 99169
Pastime Bar & Grill

13 reviews

Sports Bars, American (Traditional), Chicken Wings
119 W Main Ave, Ritzville, WA 99169
The Ritz Roadhouse

122 reviews

American (Traditional), Breakfast & Brunch
1604 S Smittys Blvd, Ritzville, WA 99169
Jake’s Cafe

54 reviews

American (Traditional)
1604 W 1st Ave, Ritzville, WA 99169
Boxwood Home and Garden

5 reviews

Coffee & Tea, Nurseries & Gardening, Florists
408 W 1st Ave, Ritzville, WA 99169

Just the Facts about Ritzville

Ritzville () is a city in Adams County, Washington, United States. The population was 1,673 at the 2010 census. It is the county chair of Adams County. The city is allowance of the Othello, WA Micropolitan Area, which comprises everything of Adams County, and is allocation of the larger Moses Lake-Othello, WA Combined Statistical Area.

The first settler in what would become Ritzville was William McKay in 1880. The town would be named after Phillip Ritz, who had contracted in the area two years earlier. By December 1880, Ritzville’s town-site had been platted by John W. Sprague on behalf of his company, The Northern Pacific Railway. In 1881, McKay built the first house on the townsite. The Northern Pacific grade was under construction in the vicinity and McKay’s home was used as a makeshift hotel for the workers and joined transients.

With the railroad came a new admission of settlers to the area. In the summer of 1881, McKay erected the first addition and the railroad built a depot nearby, which plus served as a hotel, theater and meeting hall. At that become old the fledgeling village had a population of nearly 50 and the speculative consisted of a lean-to against a house. The town’s water supply was the railroad tank because it was not thought that water could be found in the ground. The first religious facilities were held in Adams County in Ritzville in April 1882 at the McKay Home and the First Congregational Church was soon organized, a church would be built in 1885. The herald office was standard in 1883 by J.L. Johnson of Walla Walla who as well as purchased McKay’s store. Soon afterwards, many more businesses would set happening shop in town. As the 1880s wore on, the town was arrival to reach its slope as a major wheat shipping narrowing in the huge Bend Country and it continued to grow.

When the town’s water supply from the railroad tank began to stretch thin, a search for underground water was initiated. At first, no water was found but a competently was finally struck 1-mile (1.6 km) east of the town-site. Most of the land-owners in town entirely to move towards the well, with the exception of a large hotel which couldn’t be moved. Water was eventually found at the site and the town was allowed to stay where it was. By 1887, Ritzville had three general merchandise stores, one drug store, one saloon, two blacksmith shops, two lumber yards, two livery stables, one harness shop, two hotels and a large, two-story wooden schoolhouse as soon as an attendance of 100.

On June 6, 1888, a ember caused by a defective flue wiped out nearly all of the thing section of town. Ritzville had no ember department at the era and its citizens were unable to battle the flames effectively. Rebuilding went underway speedily resulting in the town’s first brick building in 1889 built by the town’s first mayor, N.H. Greene. It nevertheless stands and is currently allocation of the Ritzville Historic District.

Source: Ritzville, Washington in Wikipedia