Travelers SR-22 Insurance: What to Know

Travelers is a standard-market carrier, which shapes everything about how it handles SR-22s.

Filing with an existing Travelers policy

If you already have Travelers and pick up a violation requiring an SR-22, adding the filing is usually straightforward: provide your license number and the case number, pay a one-time filing fee, and the carrier transmits the certificate to the state. Most electronic filings post within a few days.

The re-rate is the catch

Standard carriers underwrite for clean records. When the SR-22 request triggers a motor vehicle report pull, the premium is re-rated on the new record — and on a serious violation, Travelers may non-renew the policy at the end of the term rather than continue it. That leaves you needing new coverage while a filing is active, which is the worst time to shop.

After a DUI

Standard carriers rarely stay competitive on DUI business. In Florida and Virginia a DUI requires an FR-44 at 100/300/50 limits, not an SR-22, and standard-market pricing at those limits is usually far above what a non-standard specialist charges.

What to do

1. Confirm which filing your state requires.

2. Ask Travelers for the re-rated premium in writing.

3. Get comparison quotes from carriers that specialize in filings before you decide.

4. Bind the new policy before cancelling the old one so the filing never gaps.

Keeping the filing valid

The certificate stays valid only while the policy is active. A lapse sends an SR-26 to the state and re-suspends the license, restarting the required period in many states.

Compare the market

We're independent — we quote the non-standard carriers that price filings competitively and transmit the SR-22 or FR-44 electronically, usually the same day.