Low Price SR 22 Insurance
Snohomish Washington
Owner & Non-Owner SR22s

Broad Form Insurance Shop

Get the Best SR 22 Car Insurance in Snohomish

Mid-Columbia Insurance is Snohomish’s SR22 Insurance Agency and your source for dependable advice about filing an SR-22.

We are the best options for SR22 car insurance near Snohomish. We compare the best vehicle insurers that are experts in SR22 insurance to see who provides the most competitive rate. If you need to take care of a DUI and need low cost SR-22 insurance, you can count on us to do all the hard work for you.

We enthusiastically compare each SR22 insurance quote so you can enjoy serenity and start low-cost SR22 car insurance today. Get real insurance quotes from the leading SR22 insurance companies so you can find the policy that won’t break your wallet.

SR 22 FAQs

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.

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’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.

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 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 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.

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.

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 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.

Top Places to See Around Snohomish

Andy’s Fish House

490 reviews

American (New), Seafood, Fish & Chips
1229 1st St, Snohomish, WA 98290
Trails End Taphouse & Restaurant

480 reviews

Sports Bars, American (Traditional)
511 Maple Ave, Snohomish, WA 98290
J & L BBQ

204 reviews

Barbeque
130 Ave D, Snohomish, WA 98290
Christa’s Sandwichboard

161 reviews

Sandwiches, Salad, Soup
1206 1st St, Snohomish, WA 98290
Snohomish Pie Company – Snohomish

221 reviews

Bakeries, Desserts
915 1st St, Ste C, Snohomish, WA 98290
Grilla Bites

214 reviews

American (Traditional), Juice Bars & Smoothies, Breakfast & Brunch
1020 1st St, Ste 104, Snohomish, WA 98290

Just the Facts about Snohomish

Snohomish is a city in Snohomish County, Washington, United States. The population was 9,098 at the 2010 census. It is located on the Snohomish River, southeast of Everett and northwest of Monroe. Snohomish lies at the intersection of U.S. Route 2 and State Route 9. The city’s airport, Harvey Airfield, is located south of downtown and used primarily for general aviation.

The city was founded in 1859 and named Cadyville for opportunist settler E. F. Cady and renamed to Snohomish in 1871. It served as county chair of Snohomish County from 1861 to 1897, when the county organization was relocated to Everett. Snohomish has a downtown district that is well-known for its increase of obsolete shops and is listed on the National Register of Historic Places. The mayor of Snohomish is John T. Kartak and the city administrator is Steve Schuller.

The Snohomish River Valley was originally inhabited by the Snohomish people, a Coast Salish tribe who lived surrounded by Port Gardner Bay and modern-day Monroe. An archaeological site close the confluence of the Snohomish and Pilchuck Rivers has indications of human habitation that began as yet to be as 8,000 years in the past present. The Snohomish had admittance with white explorers in the at the forefront 19th century, with their post recorded as “Sinnahamis” by John Work of the Hudson’s Bay Company, among the first to along with use the state to describe the river. The Snohomish were signatories of the Point Elliott Treaty in 1855, which relocated the tribe to the Tulalip Indian Reservation. In the to the front 1850s, the territorial presidency planned to build a military road connecting Fort Steilacoom to Fort Bellingham, with a ferry crossing of the Snohomish River at Kwehtlamanish, a winter village of the Snohomish people. The road, proposed in the wake of the Pig War, was meant to be built far tolerable inland to be secure from British naval attacks.[citation needed]

The confluence of the Snohomish and Pilchuck rivers, located near Kwehtlamanish, was sought by several American settlers from Steilacoom who arrived in 1859 to file homestead claims. Edson F. Cady and Heil Barnes, representing carpenter Emory C. Ferguson, settled close the proposed ferry landing, while Egbert H. Tucker filed a allegation for a Plan on the other side of the Snohomish River. The pact was originally known as “Cadyville” and changed its state to Snohomish City in 1871. The name Snohomish comes from the publicize of the dominant local Native American tribe “sdoh-doh-hohbsh” ([sduhúbʃ]), whose meaning is widely disputed.

Although the military road was never completed, Snohomish speedily became a middle of commerce in the expanding region. In 1861, Snohomish County separated from Island County and the Village of Snohomish was voted the county seat. It remained hence until 1897 later the county seat was relocated to the larger, yet much newer neighboring city of Everett, Washington after a controversial and contested county-wide vote.

Source: Snohomish, Washington in Wikipedia