USAA SR22 insurance
Before you can get USAA SR22 insurance, a USAA auto policy must list the driver who needs the filing. USAA sends the SR-22 to the state next, usually with a surcharge. It also says that a driver with no car needs a nonowner policy first.
- Policy firstAn auto policy must be in effect, and it must list the driver
- Extra charge.USAA reports that the filing typically includes a surcharge, although the amount differs by location.
- 3 to 5 yearsPer USAA, this is how long the filing typically lasts
- Nonowner comes first.USAA says that with no car, you need a nonowner policy first.
Call 833-958-5598A licensed agent sorts out the policy you need on the phone.
USAA SR-22 overview
| Topic | What USAA says |
|---|---|
| Policy | Must be in effect, driver listed |
| Cost | Usually a surcharge; amount varies by location |
| Typical one-time fee | ($15 to $25 in a USAA article, as a general figure) |
| Length | Typically 3 to 5 years |
| No car | Get a nonowner auto policy first |
| Membership | Eligibility rules apply |
USAA provides information on SR-22 and FR-44 filings.
USAA's handling of an SR-22
According to USAA's help page for SR-22 and FR-44, you need an auto policy in effect. It must list the driver who needs the statement. With no policy, you can get a quote. Once you have a policy, add the driver and ask for a separate statement covering that person.
The state requiring the filing sets minimum limits for injury and property damage liability that you must also meet.
Information to have ready
Gather the following details for the person who needs the filing:
- Social Security number and date of birth
- State and driver's license number
- Date of the license suspension
- The date the filing requirement ends
- Reason for the filing, plus any conviction details
Cost of an SR-22 with USAA
USAA says a surcharge usually comes with the filing, and it can raise your premium. Its amount and the coverages it affects vary by location. USAA does not print a dollar amount on that help page.
Another USAA SR-22 article gives a general one-time fee range of $15 to $25. The fee may be paid up front, or a surcharge may be added to your premium by your insurer.
USAA SR-22 when you have no car
The article adds that without a car you need a nonowner auto policy. They cover you any time you drive, including in a car that you do not own. The SR-22 is available to you after you meet the coverage requirements.
Does someone you live with own a car? According to USAA, you must appear as a driver on that owner's policy. The articles leave open whether USAA directly offers this nonowner policy, so confirm before relying on it. Only people eligible for membership can obtain USAA auto insurance, according to USAA.
Questions people ask about USAA SR22 insurance
How long is a USAA SR-22 good for?
According to USAA, 3 to 5 years is the typical filing period. Check with your state. After the period ends, ask your insurer to take the SR-22 off. USAA's article says that if the policy lapses or is canceled, the insurer informs the state.
Can USAA submit an SR-22 filing for a different state?
According to its article, USAA says an insurer simply submits the filing to the state where the offense occurred, regardless of where you live. Moving may mean another filing or keeping the old one. Get in touch with the motor vehicle agency in each state.
What does an FR-44 mean?
Higher coverage requirements apply to this SR-22-style filing in Florida and Virginia. According to USAA's article, Virginia asks for twice the state minimum.
Talk it over with a licensed agent
A licensed agent takes your call, goes through your situation for free, and gets the right policy quoted right away.
Call 833-958-5598