A: Yes, you need to file an SR22 form for any car. In fact, your SR22 form isn’t for your car at all, it’s for you. You can see this from the fact that some people are required to file non owners SR22 insurance even if the cars they are driving are insured by their owners. It is not your car your insurance company is worried about, but your driving. Having to file an SR22 form has put you in a very high risk category, and your DMV has to be sure that you will be insured because you pose a greater risk of getting into a car accident, especially a serious one.

If you have an older car, you can do some things which will allow you to pay less money to file your SR22 form. For an older car, you should first see how much your car is worth. You can do this by looking in Kelley’s Blue Book. Now take the worth of your car and compare it to how much you pay every year to file your SR22 form. If you are paying more to file insurance than you would get if you sold your car, then you need to have the least amount of insurance that it is legal to have. If your car is worth less than $1000, then you should absolutely cut your coverage as low as it goes.