SR-22 Operator’s Certificate vs. Owner’s Certificate vs. Operator-Owner’s Certificate
Knowing the difference between SR-22 operator’s certificate vs. owner's certificate vs. operator’s-owner's certificate will speed up the process to reinstate your license. Whether you own your own vehicle or not will impact what kind of certificate you need, and SR-22 operator's vs. operator-owner's certificates will allow you to drive a company vehicle with an SR-22.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Oct 1, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- SR-22 owner’s certificates are for drivers who own and drive their own vehicles
- SR-22 operator’s vs. operator-owner’s certificates act as non-owner SR-22 insurance for drivers who don’t own a vechile
- Knowing the difference between SR-22 operator’s certificate vs. owner’s certificate vs. operator’s-owner’s certificate can speed up the process to reinstate driving privileges
If you’ve lost your license, you might need to file an SR-22 to reinstate your driving privileges.
There are different types of SR-22 forms and knowing the difference between SR-22 operator’s certificate vs. owner’s certificate vs. operator’s-owner’s certificate will make this process move quickly and easily.
SR-22 insurance laws vary for each state, so keep reading to learn more about SR-22 requirements, how much SR-22 insurance costs a month, and how to get SR-22 removed.
Already know which SR-22 operator’s certificate vs. owner’s certificate vs. operator’s-owner’s certificate you need? Start comparing free quotes from local companies before you buy SR-22 insurance coverage. Enter your ZIP code above to get started.
What are the differences between SR-22 operator’s certificate vs Owner’s Certificate vs Operator-owner’s certificate?
SR-22 insurance certificates aren’t actual coverage. Rather, the certificates prove you carry the compulsory level of insurance required to drive in your state.
There are three types of SR-22 insurance certificates that prove coverage is in place and grant drivers different privileges:
- Operator’s Certificate: Driver can operate any vehicle, even if they don’t own the vehicle
- Owner’s Certificate: Driver can operate only the vehicles they own
- Operator’s-Owner’s Certificate: Driver can operate any vehicle, including the ones they own
If you own your vehicle and intend to drive just that vehicle while your license is suspended, you will need an owner’s certificate.
If you plan to drive company vehicles, rentals, or someone else’s car, you can ask your provider for either an operator’s certificate or an operator’s-owner’s certificate to act as your non-owner SR-22 insurance coverage.
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How much does SR-22 insurance cost a month?
Your car insurance rates are likely to go up with SR-22, and certain types of vehicles come with more expensive SR-22 insurance quotes, so it’s important to shop around with multiple companies to get the best rates.
Take a look at the table below to see what you can expect to pay in monthly SR-22 insurance costs with different companies:
Average Monthly Auto Insurance Rates Based on Driving Record
Insurance Company Average Monthly Insurance Rates with a Clean Driving Record Average Monthly Insurance Rates with One Accident Average Monthly Insurance Rates with One DUI Average Monthly Insurance Rates with One Speeding Ticket
USAA $161.14 $209.69 $292.17 $182.77
Geico $178.83 $266.06 $406.32 $220.45
American Family $224.47 $310.23 $360.85 $252.15
Nationwide $228.85 $283.08 $378.60 $259.47
State Farm $235.10 $283.00 $303.07 $265.50
Progressive $282.76 $398.09 $330.80 $333.52
Travelers $287.31 $357.48 $478.45 $355.07
Farmers $288.38 $376.56 $393.23 $339.92
Allstate $318.33 $415.64 $521.73 $373.63
Liberty Mutual $397.86 $517.06 $634.46 $475.11
Not every insurance company offers SR-22 insurance coverage. If your provider drops you, it’s important to find new coverage immediately before you face charges for driving without car insurance.
Can I get an SR-22 from a different insurance company?
Yes, you can get SR-22 from a different insurance company regardless of whether your provider drops you or not.
You may face penalties for canceling or changing providers before your insurance period ends, but some insurance companies allow customers to cancel whenever they want. This gives you the opportunity to shop around with multiple companies and compare quotes.
Read more: SR-22 and Personal Injury Protection (PIP) Coverage: What to Know
How do you get SR-22 insurance removed?
The only reason you need to remove SR-22 insurance before the end of your required period is if you’re switching insurance companies. Once you have served the terms of your SR-22 insurance requirements, you can call your insurance company to cancel.
If you cancel SR-22 early, you will lose your license again and have to start the process over from the beginning.
Now that you know the differences between SR-22 operator’s certificate vs. owner’s certificate vs. operator’s-owner’s certificates, start shopping for affordable SR-22 insurance quotes online. Enter your ZIP code below to get free quotes from local companies near you.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.