Allstate SR22 insurance

Is an SR-22 still needed when you have no car? Yes, you may, according to Allstate SR-22 information. You could still be held liable, it explains, if you crash a car you borrowed or rented.

Allstate says a non-owner SR-22 policy may be available to you. It also says that, in some cases, a driver whose license is suspended may need one to get driving privileges back. Because the wording is cautious, confirm this for your state before you apply.

You typically pay a one-time filing fee in the range of $15 to $50, according to Allstate's page. This is a general range, not a price list from Allstate.

The page also points out that an SR-22 often increases your insurance premium because the underlying offense puts you at higher risk.

Allstate says it can file an SR-22 on your behalf. You can get a quote online or call 866-561-7300.

• Let Allstate know that you need an SR-22.
• If your state's minimums call for a change, adjust your coverage.
• Your state's DMV receives the form electronically from Allstate, and you get confirmation after it is processed.

Allstate says continuous coverage will likely need to last about three years, and you may need longer in some states. Should the policy lapse, the insurer must report it to the state; your license may be suspended.

Moving does not end your duty. You must still complete the original period for the state where the offense took place, even if your new state does not use SR-22s.