Auto Insurance Comparison After Traffic Violations

Compare coverage requirements, SR-22 filing options, and non-standard carrier rates across all 50 states. Access minimum liability limits, state-specific violation penalties, and policy reinstatement steps for DUI, suspended license, at-fault accidents, and high-risk driver scenarios.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Coverage Options

Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.

SR-22 Insurance

Certificate of financial responsibility filed by your insurer to prove minimum coverage after DUI, license suspension, or serious violations. Required for 3 years in most states, with filing fees between $15-$50 plus higher premiums.

Non-Standard Auto Insurance

Policies from carriers specializing in high-risk drivers who cannot obtain standard coverage. Premiums run 50-300% above standard rates but provide legally required coverage during violation periods.

Liability Insurance

Minimum required coverage in all states, covering bodily injury and property damage to others. State minimums range from 25/50/25 in many states to 50/100/25 in higher-requirement states.

Full Coverage

Liability plus collision and comprehensive protection for your own vehicle. Lenders require full coverage on financed vehicles even after violations, with deductibles typically $500-$1,000.

Frequently Asked Questions

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