Whether you have a clean record or a complicated history — a DUI, an accident, a lapse in coverage, or an SR-22 requirement — licensed agents can help you find coverage that works for your situation and your budget.
Licensed agents available. Rates vary by state, driving record, and vehicle. This is not a free policy.
Most people who call us have a specific situation that makes finding coverage harder. That is exactly what we are here for.
If you’ve had accidents, violations, or a DUI, standard carriers may have declined you or quoted unaffordable rates. We connect you with carriers that specialize in high-risk coverage.
An SR-22 is a certificate of financial responsibility — not insurance itself. If a court or state requires one after a serious violation, we can connect you with agents who file SR-22s and find you a compliant policy.
New drivers under 25 face the highest insurance rates of any group. Agents can help find discounts for good grades, defensive driving courses, and the right vehicle type to lower your premium.
Drivers over 65 sometimes face rate increases even with clean records. Agents can compare carriers that reward safe driving history and offer senior-specific discounts.
A gap in your insurance history makes you higher risk in insurers’ eyes. The longer the lapse the higher the rate — agents can help minimize the impact and get you covered quickly.
Insuring two or more vehicles under one policy almost always saves money. Agents can compare multi-vehicle and bundled home-and-auto options.
Required in nearly every state. Covers bodily injury and property damage you cause to others in an accident. Does not cover your own vehicle.
Minimum limits vary by state — see the state requirements section below.Pays to repair or replace your vehicle after an accident regardless of fault. Required by most lenders if you have a car loan or lease.
Protects against theft, vandalism, weather events, fire, falling objects, and animal collisions. Often paired with collision as “full coverage.”
Covers medical expenses for you and your passengers after an accident. Required in no-fault states. Especially important if your health insurance has high deductibles.
About 1 in 7 drivers is uninsured. This coverage protects you when the at-fault driver has no insurance or insufficient coverage to pay your costs.
If your car is totaled and you owe more than it’s worth, gap insurance covers the difference. Critical for new vehicles and long loan terms.
Every state except New Hampshire requires liability insurance. Minimums vary significantly — here are some of the most common markets.
| State | Minimum Liability | SR-22 State? |
|---|---|---|
| California | 15/30/5 | Yes |
| Texas | 30/60/25 | Yes |
| Florida | 10/20/10 PIP | Yes |
| New York | 25/50/10 | Yes |
| New Jersey | 15/30/5 | Yes |
| Illinois | 25/50/20 | Yes |
| Pennsylvania | 15/30/5 | Yes |
| Georgia | 25/50/25 | Yes |
| Ohio | 25/50/25 | Yes |
| Michigan | No-fault state | Yes |
Numbers represent thousands in bodily injury per person / bodily injury per accident / property damage coverage. Minimums change — always verify with your state DMV or a licensed agent.
An SR-22 is a certificate of financial responsibility filed by your insurance company with your state’s DMV. It proves you carry the minimum required coverage. It is not a type of insurance — it is a filing attached to your existing policy.
Courts and states typically require SR-22 filings after serious violations including DUI or DWI convictions, driving without insurance, at-fault accidents without insurance, license suspension or revocation, and accumulating too many points on your driving record.
SR-22 requirements typically last 1 to 3 years depending on the violation and state. During that time your insurer must notify the state if your policy lapses — which is why maintaining continuous coverage is critical.
Need an SR-22 filing?
Licensed agents can help you find a policy and file the SR-22 with your state — often same day.
3-5 years without accidents or violations can qualify you for significant discounts with most major carriers.
Combining auto with home, renters, or life insurance under one carrier typically saves 10-25% on both policies.
Full-time students under 25 with a GPA of 3.0 or higher qualify for discounts with most major carriers.
Completing a state-approved defensive driving course can reduce your rate and remove points from your record in many states.
If you drive fewer than 7,500 miles per year you may qualify for a low-mileage or usage-based policy that significantly cuts your premium.
Paying your annual premium upfront instead of monthly typically saves 5-10% and eliminates installment fees.
Anti-lock brakes, airbags, anti-theft devices, and newer safety systems can all reduce your comprehensive and collision rates.
Staying with the same carrier for multiple years often unlocks loyalty discounts — but shopping around at renewal still ensures you’re getting the best available rate.
The national average for full coverage auto insurance is approximately $1,700–2,100 per year or $140–175 per month as of 2025. However rates vary dramatically by state, driving record, vehicle, age, and credit score. High-risk drivers may pay 2–3 times the average. Drivers with clean records in low-cost states may pay significantly less. Getting multiple quotes is the only way to know your actual rate for your specific situation.
Penalties vary by state but typically include fines of $100–5,000 for a first offense, license suspension, vehicle impoundment, SR-22 requirement for reinstatement, and personal liability for any damages you cause in an accident. In serious accidents without insurance you could face lawsuits that affect wages and assets. The cost of getting caught uninsured almost always exceeds the cost of a basic liability policy.
A DUI conviction typically raises auto insurance rates 50–200% and may cause your current carrier to drop you entirely. You will likely need to file an SR-22 and may be limited to non-standard or high-risk carriers for 3–7 years depending on your state. Rates do gradually improve as the conviction ages and your record stays clean. Agents who specialize in high-risk coverage can help you find the most competitive rate given your situation.
Collision covers damage to your vehicle from accidents — hitting another car, a guardrail, or rolling the vehicle. Comprehensive covers everything else — theft, vandalism, hail, flood, fire, falling trees, and animal strikes. Both have deductibles you pay before insurance covers the rest. If you have a loan or lease your lender almost certainly requires both.
In most states you cannot legally drive with a suspended license, but you may need insurance to reinstate it. Some states allow SR-22 non-owner policies for people without a vehicle who need to prove financial responsibility to have their license reinstated. An agent familiar with your state’s requirements can help navigate this specific situation.
Gap insurance covers the difference between what your car is worth at the time of a total loss and what you still owe on your loan or lease. New vehicles can depreciate 20%+ in the first year. If your car is totaled and you owe $28,000 but it’s only worth $22,000 gap insurance covers the $6,000 difference. It’s most valuable in the first 2–3 years of a loan especially with small down payments or long loan terms.
In most states yes. Insurers use a credit-based insurance score — different from your FICO score but based on similar data — as a predictor of claims. Drivers with poor credit can pay significantly more than those with excellent credit for identical coverage. California, Hawaii, Massachusetts, and Michigan prohibit using credit scores in auto insurance pricing.
In no-fault states — including Florida, Michigan, New York, New Jersey, and several others — each driver’s own insurance pays for their medical bills after an accident regardless of who caused it. This requires Personal Injury Protection (PIP) coverage. No-fault systems are designed to reduce litigation but often result in higher premiums in those states.
The cheapest policy for your situation depends on your driving record, vehicle, location, age, and credit profile. The most reliable way to find the best rate is to compare quotes from multiple carriers — rates for identical coverage can vary by hundreds of dollars per year between insurers for the same driver. A licensed agent who works with multiple carriers can compare options without you having to contact each company individually.
First ensure everyone is safe and call 911 if there are injuries. Move vehicles out of traffic if safe to do so. Exchange insurance information, license numbers, and contact information with the other driver. Document the scene with photos of all vehicles, license plates, and the surrounding area. File a police report even for minor accidents. Contact your insurance company to report the accident promptly — most policies require timely reporting. Do not admit fault at the scene.
Whether your record is clean or complicated, licensed agents can compare options from multiple carriers and help you find coverage that works — in one phone call.
📞 Call (844) 578-1955Disclaimer: Consumer Support Help is not an insurance company. We connect consumers with licensed insurance agents and brokers who represent one or more insurance carriers. Coverage, rates and availability vary by state, carrier and individual underwriting factors including driving history, vehicle and credit profile where permitted by law.
This page is for informational purposes only and does not constitute a quote, binder or offer of insurance. No coverage is in force until a policy is issued and the first premium is paid. All trademarks belong to their respective owners.