Rhode Island SR22 Insurance                                                                 FREE QUOTE


Auto owner and Non-owner Coverage

Wessell Insurance Services can fulfill your SR22 needs in the state of Rhode Island. Wessell works with several insurance agencies throughout Rhode Island, we can satisfy your SR22 obligations quick, easy and discreetly in a way that best suits your individual situation.

Certain violations require SR22 high risk auto insurance filing which is simply a document filed by an insurance provider with the state, for the purpose of showing proof of financial responsibility. This process will reinstate your suspended drivers license with the Department of Transportation in Pawtucket and allow you to restore your driving privileges. The court will determine whether you need SR22 insurance, and for how long, usually 3 years. It is necessary to maintain insurance coverage during the time frame that the court mandates. If coverage lapses during the determined time frame the state will suspend drivers license. If you move out of state while carrying SR22 insurance you must continue your coverage in the state the infraction occurred for the duration already determined by the court.

The state of Rhode Island requires all drivers to carry liability insurance with limits 25/50/25

$25,000 for bodily injury to 1 person
$50,000 for bodily injury to 2 or more people
$25,000 for property damage.

There are a few ways to meet your legal obligations and reinstate your license. You can file SR22 as a separate independent policy with a one time payment which will not interfere with existing policies and minimize the long term affects associated with this offense.

The two main types of policies are:
Owner policy - which is a standard auto insurance policy that covers a driver on their owned personal vehicle

Non-owner or Operator policy - is an auto insurance policy which covers a driver for vehicles that they don’t own. A driver who does not have a vehicle registered to their name may purchase a non-owner policy. Non-owner policies cost far less and carry significantly lower premiums, while still meeting compliance for all SR22 requirements.

SR-22 financial responsibility high risk auto insurance is required for such violations as:

-serious moving violations, ie… reckless driving, speeding
-failure to provide valid proof of insurance or providing false documents
-driving on suspended or revolked license
-excessive tickets
-unpaid legal judgements
-failure to pay child support


For additional information on SR22 contact:

Rhode Island Department of Transportation
100 Main Street
Pawtucket, RI 02860