Suspended License Insurance — Washington
Free to compare
Frequently Asked Questions
Washington requires SR-22 filing for most suspension types.
Do I need insurance if my license is suspended in Washington?
Yes, in most cases. Washington requires you to maintain SR-22 insurance throughout your suspension period and for three years after reinstatement if your suspension was for a DUI, reckless driving, or driving without insurance. Even if you don't own a car, you need a non-owner SR-22 policy to satisfy Department of Licensing reinstatement conditions. Administrative suspensions for unpaid tickets or child support may not require SR-22, but you still need proof of insurance to reinstate your license.
How long do I have to carry SR-22 insurance in Washington?
Washington requires SR-22 filing for three years from your reinstatement date for DUI convictions, reckless driving, and accumulating too many violations within a short period. The clock starts when your license is reinstated, not when you first buy the policy. If your SR-22 policy lapses or is canceled during the three-year period, your insurer notifies the DOL within 10 days, your license is re-suspended immediately, and the three-year clock resets when you reinstate again.
What violations require SR-22 filing in Washington?
Washington mandates SR-22 for DUI or physical control convictions, reckless driving, driving while suspended, negligent driving in the first degree, and being found at fault in an accident without insurance. The Department of Licensing also requires SR-22 if you accumulate multiple serious violations within three years or if a court orders proof of financial responsibility. Child support or failure-to-appear suspensions typically do not trigger SR-22 requirements unless combined with another violation, but you still need active insurance to reinstate.
Does Washington accept out-of-state SR-22 filings?
No. Washington requires the SR-22 certificate to be filed by an insurance carrier licensed to do business in Washington, even if you now live in another state. If your suspension originated in Washington and you've since moved, you must purchase a non-owner SR-22 policy from a Washington-licensed carrier and maintain it for the full three-year period. The out-of-state carrier you use for your current vehicle cannot satisfy Washington's filing requirement unless they also hold a Washington license and file the SR-22 directly with the Washington DOL.
Is this site actually free to use?
Yes. You compare rates, see carrier options, and get quote estimates without paying anything to use this site. The service is supported by carrier advertising fees—when you choose a policy through a linked carrier, that carrier pays a referral fee to this site. You pay the same rate you'd pay going directly to the carrier; the referral fee comes from the carrier's marketing budget, not added to your premium. There is no membership fee, no subscription, and no charge to compare or request quotes.
What happens to my information when I submit it here?
When you submit your information to compare rates, it's shared only with the insurance carriers you choose to receive quotes from. Those carriers use your information to generate accurate rate quotes and may contact you by phone, email, or text to finalize your policy. This site does not sell your information to third-party marketers outside the insurance carrier panel. You can review exactly which carriers will receive your information before you submit, and you control whether to proceed with any carrier that contacts you.
Do I have to buy insurance through this site?
No. You can use this site to compare rates and carrier options, then purchase your SR-22 policy directly from the carrier, through an agent, or from any other source. The quotes you see here reflect each carrier's standard rates for your profile; you'll pay the same rate regardless of where you buy. Some visitors use the site only to identify which carriers offer non-owner SR-22 policies in Washington and then contact those carriers independently. There is no obligation to purchase, and using the site does not commit you to any carrier.
Can I get SR-22 insurance if I don't own a car?
Yes. Non-owner SR-22 policies are specifically designed for drivers who need to satisfy Washington's SR-22 filing requirement but don't own a vehicle. The policy provides liability coverage when you drive a borrowed or rental car and includes the SR-22 certificate that the DOL requires for reinstatement. Premiums are lower than standard SR-22 policies because the carrier assumes you drive less frequently. Most Washington-licensed carriers offer non-owner policies, and you can compare rates from multiple carriers here before purchasing.
