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Wessell Insurance Services, llc
 offers Car Insurance, Motorcycle Insurance, Commercial Auto Insurance, SR22 Insurance & FR44 Insurance.


We are licensed in thirty three states and take pride in finding you the best rate with the best coverage.  Whether you need an SR22/FR44 to get your license reinstated, or just need a traditional auto insurance policy we are here to help.  Give our office a call today!     

SR-22 Insurance Explained                                                                               
"SR-22 insurance" or SR-22 Form is actually a certificate of proof of future financial responsibility that is provided by a licensed insurance company that proves you have secured the liability insurance required by the state.  Some might say it serves as a tracking device for the state to make sure you keep the state legal liability insurance in place.  The insurance company flags your policy, by putting what is known as a SR-22 rider on the policy.  This rider is the SR-22 certificate of financial responsibility, and is not an actual insurance policy itself but, attached to an insurance policy.  By attaching this rider it let's the state know that you are in compliance with the law, and have purchased the state mandated insurance.   With that in mind, the insurance company is also legally obligated to let the state know when this policy has canceled or lapsed, this is known as a SR-26.  It is up to the policy holder to make sure they keep the SR-22 (CFR) certificate of financial responsibility and mandated insurance in place for as long as the state is requiring. 


FR-44 Insurance Explained
The difference between SR-22 Insurance and FR-44 Insurance is that FR-44 Insurance is a certificate of financial responsibility (CFR) which is required for anybody who gets convicted of a DWI or DUI in the state of Florida and Virginia. FR-44 Insurance policies must be issued by an insurance carrier that is licensed to do business in the state of Florida and Virginia. FR-44 certificate of financial responsibility is required for the convictions listed: caught driving while his/her driver's license has been suspended to due a conviction, caught driving under the influence of alcohol or drugs, caught driving while his/her driver's license has been suspended pending court date.  The liability limits for FR-44 policies are twice that of a SR-22 policiy.  Florida requires FR-44 liability linsurance limits to be 100/300/50; $100,000 for bodily injury or death of a person, $300,000 for bodily injury or death of two or more persons, and $50,000 for property damage.  The state of Virginia's FR-44 liability requirements are 50/100/40; $50,000 for bodily injury or death of one person, $100,000 for bodily injury or death of two or more people, $50,000 for property damage.

State Specific SR-22 Information

Alabama SR-22 Insurance

Georgia SR-22 Insurance

Louisiana SR-22 Insurance

Nebraska SR-22 Insurance

South Carolina SR-22 Insurance

Washington SR-22 Insurance

Arizona SR-22 Insurance

Idaho SR-22 Insurance

Maine SR-22 Insurance

Nevada SR-22 Insurance

Tennessee SR-22 Insurance

Wisconsin SR-22 Insurance

Arkansas SR-22 Insurance

Illinois SR-22 Insurance

Michigan SR-22 Insurance

North Carolina SR-22 Insurance

Texas SR-22 Insurance

Wyoming SR-22 Insurance

California SR-22 Insurance

Indiana SR-22 Insurance

Minnesota SR-22 Insurance

Rhode Island SR-22 Insurance

Utah SR-22 Insurance

Colorado SR-22 Insurance

Iowa SR-22 Insurance

Mississippi SR-22 Insurance

Ohio SR-22 Insurance

Vermont SR-22 Insurance

Florida SR-22 Insurance

Kansas SR-22 Insurance

Missouri SR-22 Insurance

Oregon SR-22 Insurance

Virginia SR-22 Insurance


Click here to read more on our SR22 Insurance Blog.


Authorized Progressive Agent

 Who Needs SR-22 Insurance?

      •  If you have a DWI or DUI
      •  Driving with invalid driver's license
      •  If your license has been suspended
      •  Guilty of major moving violations
      •  High risk Drivers
      •  Driving without insurance
      •  Driver's with too many tickets
      •  Anyone ordered by the court or state

Get Your Driver's License Back

By acquiring the state mandated liability insurance with a SR-22 certificate the court has required, you will be in compliance to get your license reinstated. More here.

    Motorcycle Insurance

  We offer competitive rates on traditional motorcycle insurance and SR-22 motorcycle insurance. Call to see how we can save you money today. Learn more

   Information Center

 SR22 Insurance
 SR-22 by State
 Non-Owner Insurance
State DMV




SR22s and FR44s Available Nationwide
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1676 Bryan Road 103
O'Fallon, MO 63368
Toll Free: 866-663-7561
Local: 636-614-4125
Fax: 636-272-1720
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