How to Rent a Car With SR-22 Insurance

Renting a car after a DUI conviction is possible, but every car rental company makes its own rules. Here’s what to look for.

If you're classified as a high-risk driver with an SR-22 certificate on file, you might be wondering if you can rent a car. An SR-22 car rental is possible, but it may be more complicated. Before you take a road trip, take time to understand how your auto insurance and driving record could affect the rental process.

Have immediate questions about renting a car with SR-22 insurance? Contact a Breathe Easy Insurance Solutions licensed agent at (833) 786-0237 for assistance.

What Is SR-22 Insurance?

If you have a DUI on your record or numerous driving violations, you may need to file an SR-22 certificate. An SR-22 is not an insurance policy itself, rather it’s a document filed by your insurer verifying you carry at least the minimum auto liability coverage required by your state.

Your car insurance company must file the SR-22 with the state Department of Motor Vehicles (DMV) or appropriate authority on your behalf.

Because it’s tied to high-risk drivers, SR-22 insurance often comes with higher premiums than standard policies.

For more insights on SR-22 insurance, check out our Breathe Easy Insurance Solutions FAQs.

Can You Rent a Car With SR-22?

It's possible to rent a car with SR-22 insurance. However, every rental company makes its own rules. The decision isn't based on the SR-22 itself, but on your driving record. Certain types of violations could prevent you from renting a car.

For example, Avis and Budget do not allow you to rent a car if you've had a DUI within the past 48 months. You may also be denied a rental if your record includes reckless driving, auto theft, or leaving the scene of an accident, among others. If you have any of these items on your driving record, the company will not allow you to rent a car even with an SR-22.

Not all rental companies publish specific SR-22 car rental requirements. Because companies don't usually verify your license and check your driving record until you pick up a rental car, it's a good idea to call the company to ask for specifics. That way, you don't need to worry about being denied a rental at the counter.

Which Rental Companies Accept SR-22 Insurance?

Most rental car companies will accept an insurance policy tied to an SR-22 as long as your driving record doesn't violate the rental requirements. As a result, the list of SR-22 car rental companies varies from person to person. If you don't clear the verification process, you won't be allowed to rent a car regardless of your insurance coverage.

Documents You Need to Rent a Car With SR-22

A valid driver's license is usually the only document you need to rent a car with an SR-22 certificate. The rental company checks your driving record electronically. If you have a DUI or other serious violation on your record, it may be helpful to bring a letter of clearance from your DMV or other appropriate regulatory authority.

Some companies may require you to show proof of car insurance, depending on state law and rental policies. Additionally, if you're renting a car in another country, you might need an international driver's permit and a passport.

Tips for Renting a Car With SR-22 on File

Here are some tips for finding rental cars for drivers with SR-22:

• Call the specific rental location. Each rental company location may have different policies. Call the office, explain your situation, and ask if you'll be eligible to rent.
• Don't prepay for a car rental. That way, you won't need to wait for a refund if you're denied a rental. You'll also have an easier time canceling if necessary.
• Do purchase the rental agency insurance. SR-22 covers your liability, not the vehicle you’re driving. Paying for the rental company insurance will cover the rental vehicle.
• Have an alternative plan. Research the other transportation options in your destination and create a backup plan to avoid getting stranded.

What To Do if You’re Denied a Rental

If you're denied a rental car, you may be able to try another provider with different policies. Alternatively, another person in your party could rent and drive the car instead. You can also opt for taxis, public transportation, and rideshare apps.

Alternatives To Traditional Rental Companies

When traditional rental companies aren't an option, you might be able to get an SR-22 car rental through an app like Turo or Getaround.

Renting a Car After a DUI: What To Expect

Figuring out how to rent a car after a DUI conviction can be complicated, but it's possible. Check the rental requirements in advance, and make sure to get insurance from a company that will file an SR-22, if required, with your state's DMV.

The SR-22 insurance experts at Breathe Easy are standing by to help you. Get SR-22 insurance fast; request a personalized quote today.