National General Insurance and SR-22 Filings

Driving is a privilege, but for many, it’s also a necessity. Whether commuting to work, running errands, or traveling, having a valid driver’s license is crucial. However, certain violations—such as DUIs, reckless driving, or multiple at-fault accidents—can label you as a high-risk driver, requiring an SR-22 filing to reinstate your driving privileges. National General Insurance is one of the leading providers offering SR-22 policies, but how does it all work in today’s evolving insurance landscape?

Understanding SR-22 Filings

An SR-22 isn’t insurance—it’s a certificate of financial responsibility filed by your insurer to prove you carry the minimum required auto insurance. Typically mandated after serious traffic violations, an SR-22 serves as a guarantee to your state’s DMV that you’re maintaining coverage.

Who Needs an SR-22?

You might need an SR-22 if you’ve been involved in:
- DUI/DWI convictions
- Driving without insurance
- Repeated traffic offenses (e.g., excessive speeding)
- At-fault accidents without insurance
- License suspension or revocation

Each state has different requirements, but the common thread is that high-risk drivers must file an SR-22 for a set period (usually 3 years).

Why National General Insurance Stands Out

Not all insurers offer SR-22 filings, and those that do may charge exorbitant premiums. National General Insurance, however, specializes in non-standard auto insurance, making them a go-to for high-risk drivers.

Key Benefits of National General for SR-22 Filings

1. Nationwide Availability – They operate in most states, ensuring compliance regardless of location.
2. Competitive Rates – While SR-22 policies are expensive, National General often provides more affordable options than competitors.
3. Flexible Payment Plans – Monthly installments help manage costs.
4. Quick Filing Process – They electronically submit SR-22 forms to the DMV, speeding up reinstatement.

How Much Does an SR-22 Policy Cost?

The filing fee itself is usually $15-$25, but your insurance premiums will skyrocket. On average, drivers with an SR-22 pay 50-100% more than standard rates. Factors influencing cost include:
- Severity of violation (DUI vs. minor speeding)
- State regulations (some states have stricter penalties)
- Driving history (prior offenses worsen rates)

The Broader Impact of High-Risk Driving in 2024

The need for SR-22 filings is rising, partly due to post-pandemic reckless driving trends. Studies show:
- Speeding violations increased by 30% in major U.S. cities since 2020.
- DUI arrests remain high, with some states reporting 5-10% spikes in alcohol-related crashes.
- Uninsured motorists still account for 1 in 8 drivers, prompting stricter enforcement.

How Technology Is Changing SR-22 Policies

1. Telematics & Usage-Based Insurance (UBI) – Some insurers, including National General, offer tracking devices that monitor driving habits. Safe behavior can lower premiums over time.
2. Digital SR-22 Submissions – Gone are the days of paper filings; electronic processing means faster turnaround.
3. AI-Powered Risk Assessment – Insurers now use machine learning to adjust rates based on real-time data, potentially benefiting reformed high-risk drivers.

Steps to Getting an SR-22 Through National General

1. Contact National General – Request an SR-22 filing when purchasing or renewing a policy.
2. Pay the Fee – The insurer handles the paperwork but may charge a small administrative fee.
3. Wait for Confirmation – Once filed, the DMV will notify you of compliance.
4. Maintain Continuous Coverage – A lapse can restart your SR-22 period or lead to license suspension.

Common Mistakes to Avoid

• Letting coverage lapse – Even a one-day gap can trigger penalties.
• Assuming all insurers offer SR-22s – Many major carriers don’t, so always verify.
• Not shopping around – Rates vary widely; compare quotes before committing.

The Future of SR-22 and High-Risk Insurance

As autonomous vehicles and stricter traffic laws emerge, the SR-22 landscape may shift. Some predict:
- Reduced DUIs with self-driving tech.
- More leniency for first-time offenders via diversion programs.
- Increased use of alternative transportation (e-bikes, rideshares) reducing high-risk drivers.

For now, though, SR-22 filings remain a critical tool for road safety—and insurers like National General play a key role in keeping high-risk drivers legally on the road.

Whether you’re navigating a post-DUI reinstatement or simply researching options, understanding National General Insurance and SR-22 filings ensures you make informed decisions in an ever-changing driving world.