Does AAA Offer SR22 Insurance? Everything You Need To Know

Getting an SR22 insurance policy can be a confusing and stressful process, especially if you don’t fully understand what an SR22 is or why you need one. AAA is one of the largest auto insurance providers in the United States, so it’s natural to wonder – does AAA offer SR22 insurance?

The short answer is yes, AAA does offer SR22 insurance in most states. However, there are some key things you need to know about getting an SR22 through AAA, including:

  • How much it costs
  • Which violations require an SR22 with AAA
  • How long you’ll need to keep it
  • What coverage is included
  • How to get a quote

This comprehensive guide will explain everything you need to know about AAA SR22 insurance so you can make an informed decision.

What is an SR22?

An SR22, also known as a Certificate of Financial Responsibility, is a form that your insurance company files with the state on your behalf to prove you have sufficient insurance coverage.

You may need an SR22 if:

  • You’ve been convicted of certain serious traffic violations like DUI, reckless driving, or driving without insurance
  • Your license was suspended or revoked
  • You’ve racked up too many points on your driving record

The SR22 requirement alerts the DMV that you are now a high-risk driver who needs to maintain insurance. The length of time you’ll need to keep the SR22 varies by state, but is usually around 3 years.

The SR22 itself does not provide any coverage. You’ll need to purchase a standard auto insurance policy to meet your state’s minimum liability limits. The SR22 just proves to the DMV that you have active insurance.

Does AAA Offer SR22 Insurance?

Yes, AAA offers SR22 insurance in most states where it operates. If you already have a policy with AAA and then get an SR22 requirement, they can usually just add the SR22 to your existing policy.

If you’re not already with AAA, you can still get an SR22 through them by purchasing a new policy. AAA has local clubs across the country that can provide SR22 quotes.

The only states where AAA does not offer SR22 plans are:

  • Alaska
  • Hawaii
  • Louisiana
  • Massachusetts
  • Michigan
  • New Jersey
  • New York
  • North Carolina
  • Rhode Island
  • Texas

In these states, you’ll need to shop around with other insurance companies if you need SR22 coverage.

How Much More Does AAA Charge for an SR22?

AAA charges a one-time $15 to $25 filing fee to process the SR22 paperwork. They will submit the form electronically to your state’s DMV.

On top of the filing fee, expect to pay higher premiums with an SR22 through AAA. Just how much more depends on the violation and other factors:

  • Suspended license: 165% higher premium ($1,834 per year)
  • Reckless driving: 165% higher premium ($1,834 per year)
  • DUI: 165% higher premium ($1,834 per year)
  • Driving without insurance: 140% higher premium ($529 per year)

These price estimates are based on a 45-year old driver in California with minimum required coverage. Your actual AAA SR22 rates will vary based on your age, location, driving history, and amount of coverage.

In most states, you can expect to pay at least 50% more per year for car insurance with an SR22 on file. The increase is because you’re now classified as high-risk.

How Long Will You Need an SR22 with AAA?

AAA is required to keep the SR22 on file with the DMV for as long as your state mandates. This is usually 3 years, but can be anywhere from 1 to 5 years depending on the violation and jurisdiction.

For example:

  • California: 3 years
  • Florida: 3 years
  • Virginia: 3 years
  • New York: Minimum 1 year
  • Georgia: Minimum 5 years

To find out exactly how long you’ll need to maintain the SR22, check with your state’s department of motor vehicles. Don’t let your AAA policy lapse during this period or your license could be suspended again.

Once your SR22 requirement ends, AAA will automatically remove the form from your policy. Your premiums should decrease at your next renewal since you’ll no longer be considered high-risk.

What Violations Require an SR22 with AAA?

The most common violations that trigger an SR22 requirement include:


All states require an SR22 for at least 3 years after a conviction for driving under the influence (DUI) or driving while intoxicated (DWI). This applies to both first-time and repeat offenses.

Refusing to submit to a chemical BAC test will also result in an SR22 requirement in most states.

Reckless Driving

If you’re convicted of reckless driving, such as speeding excessively or racing, you’ll need to file an SR22 to reinstate your license in most states.

Driving Without Insurance

Letting your auto insurance policy lapse or driving without coverage can lead to an SR22 requirement in many states.

License Suspension or Revocation

If your license was suspended or revoked, you’ll likely need to file an SR22 before the DMV will reinstate it. Common reasons for suspension include too many points on your record, failure to pay traffic tickets, or failure to appear in court.

At-Fault Accidents

Being involved in one or more at-fault accidents where substantial damage or injuries occurred could trigger an SR22 requirement.

Other Violations

More serious moving violations like hit-and-run, eluding police, or homicide by vehicle may necessitate an SR22 in some states.

Check with your state DMV to see if your particular offense requires filing the form.

What Coverage is Included with AAA’s SR22 Insurance?

The SR22 itself does not provide any coverage. It is simply filed to prove you have an active auto insurance policy.

You’ll need to purchase separate liability, collision, comprehensive, and any other desired coverages to comply with your state’s minimum requirements.

At a minimum, AAA’s SR22 policies include:

  • Bodily injury liability: Covers injuries to others when you’re at fault
  • Property damage liability: Covers damage to others’ property when you’re at fault
  • Uninsured motorist: Covers your injuries and damages if you’re hit by an uninsured driver

To keep your policy legally valid, make sure you maintain at least the minimum liability limits required by your state. These are typically:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $10,000 property damage

Higher 100/300/50 limits may be required in some states. You can also purchase increased limits or additional coverages like comprehensive and rental reimbursement. But they aren’t mandatory.

Note: The SR22 does not cover damage to your own vehicle or injuries to yourself. You would need collision and medical payments coverage for that.

How to Get an AAA SR22 Insurance Quote

Since SR22 requirements are handled at the local level, you’ll need to contact your regional AAA club directly to get a quote.

There are two ways to request an AAA SR22 quote:

  1. Call your local AAA office – Find your club’s phone number on the AAA website and call to speak with an agent. They’ll run your driving record and provide an estimate over the phone.

  2. Visit an agent – Schedule an in-person appointment at a nearby AAA branch. They can walk through your options and provide accurate rate details.

To get an accurate quote, be prepared to provide:

  • Your driver’s license number
  • Vehicles you want covered
  • Current mileage and usage
  • Info on the violation that requires an SR22
  • Coverage preferences

AAA will ask for a copy of your SR22 filing document from the DMV. If you don’t have it yet, they can still issue a quote but will need the notice before officially filing the form.

Key Takeaways on AAA’s SR22 Insurance

AAA offers SR22 insurance in most states if you’ve been required to file the Certificate of Financial Responsibility with your DMV. Here are some key facts:

  • Costs $15-$25 to file plus 165% higher premiums
  • Required for 3 years in most states
  • Proves you have liability coverage
  • Get quotes by phone or in person from local clubs

Overall, AAA is a great option for SR22 coverage given their competitive rates, reputation, and convenience of local branches across the U.S. Just make sure you comparison shop to find the best price.

Frequently Asked Questions

How much does it cost to get an SR22 removed?

There is no fee to remove an SR22 from your policy. Once the DMV’s mandated filing period ends, AAA will automatically remove the SR22 from your insurance record. At your next renewal, your rates should decrease now that you’re no longer a high-risk driver.

What happens if you

SR22 Insurance California


What is the best SR-22 insurance?

Generally, the best company for cheap SR-22 insurance across the country is State Farm with an average annual rate of $614.

How long do I need SR-22 insurance in California?

The California “Certificate of Financial Responsibility” or SR22 is required for a three-year probation period. During this time a driver is required to maintain the minimum liability insurance requirements.

Why is AAA insurance so expensive?

AAA insurance premiums tend to be more expensive than the national average because AAA doesn’t write its own policies. Each regional club operates independently and sells insurance policies underwritten by different agencies.

Does SR-22 cover any car I drive in Ohio?

You are covered for state minimum liability while operating ANY 4-wheel private passenger automobile for personal use, owned or non owned. The FR Bond is a “stand-alone” instrument; you do not need any other coverage to comply with Ohio’s Financial Responsibility Laws.

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