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National General SR-22 Filing & Rate Comparison Guide

Does National General File SR-22 Certificates

Yes, National General files SR-22 certificates through its non-standard subsidiary, Integon National Insurance Company. If you request SR-22 from National General, your policy is written and filed by Integon, not the parent National General brand. This matters because Integon operates as a separate legal entity with its own underwriting criteria, price tier, and rate structure.

Integon files electronically in all states that require SR-22, typically processing within 1-3 business days of payment. The filing fee ranges from $15 to $50 depending on your state. Your state DMV receives the certificate directly from Integon, and you receive a copy for your records.

The brand separation creates an opportunity most drivers miss: once your SR-22 requirement ends, you can request a quote from National General's standard-market division without the Integon SR-22 surcharge. Many drivers continue paying non-standard rates at renewal simply because they don't know to ask.

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How National General SR-22 Rates Compare to Competitors

Integon's SR-22 rates typically fall in the mid-to-high range among non-standard carriers. Drivers with a single DUI can expect monthly premiums between $180 and $310 depending on state, age, and vehicle. Multiple violations or an at-fault accident alongside the SR-22 requirement push rates higher, often $350-$450/mo.

Progressive and The General consistently quote 15-25% lower than Integon for the same driver profile in most states. State Farm and GEICO route SR-22 business to non-standard subsidiaries as well, but their rates vary significantly by state — in some markets they beat Integon, in others they price higher. Bristol West and Dairyland typically match or slightly undercut Integon's rates.

The key differentiator is not the initial SR-22 rate but what happens at the end of your filing period. National General's standard division may offer you a substantially lower rate once the requirement ends, but only if you proactively request requoting. Integon does not automatically transfer your policy back to the parent company. You must initiate that conversation 30-60 days before your SR-22 end date.

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What Happens When Your SR-22 Requirement Ends

Your SR-22 filing requirement typically lasts 3 years from the date your state DMV issues the order, not from the date you file the certificate. When the period ends, Integon does not automatically notify you or remove the filing. You must contact them directly to request SR-22 cancellation and file a new certificate of non-filing with your state if required.

Once the SR-22 is removed, request a quote from National General's standard-market division. Provide your Integon policy number and ask them to re-underwrite you without the SR-22 surcharge. This is a separate quote process, not an automatic rate adjustment. Many drivers miss this step and continue paying non-standard rates for 12-24 months after their requirement ends simply because they assumed rates would drop automatically at renewal.

Rates typically decrease 30-50% in the first 12 months after SR-22 removal if you have maintained continuous coverage without additional violations. Full recovery to clean-record rates takes 3-5 years as the underlying violation ages off your driving record. The SR-22 filing itself does not appear on your driving record — only the violation that triggered it.

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Your SR-22 Is Over. Your Rate Should Drop Too

Find Affordable Coverage After SR-22

National General vs Direct Non-Standard Carriers

Integon competes directly with carriers that specialize exclusively in high-risk drivers: The General, Bristol West, Acceptance Insurance, and Dairyland. These carriers do not maintain a separate standard-market brand, so their pricing advantage during the SR-22 period is often offset by the lack of a clean-exit path once the requirement ends.

If you plan to stay with the same carrier through and beyond your SR-22 period, National General offers the smoothest transition back to standard rates. If you prioritize the lowest possible rate during the filing period and are willing to shop aggressively when it ends, The General or Progressive's non-standard division typically underprice Integon by $30-$60/mo.

One advantage Integon offers: bundling. If you have a homeowner or renter policy with National General, bundling your SR-22 auto policy through Integon can preserve multi-policy discounts that standalone non-standard carriers cannot match. The discount typically offsets 10-15% of the SR-22 surcharge.

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Documents You Need Before Shopping Post-SR22 Rates

Gather three items before requesting quotes after your SR-22 ends: your current Integon declarations page showing continuous coverage dates, your state DMV clearance letter confirming the SR-22 requirement has been satisfied, and your motor vehicle report showing the filing period end date.

The DMV clearance letter is critical. Most standard-market underwriters require proof that your state has formally released the SR-22 requirement before they will quote you at non-SR22 rates. Some states issue this automatically when the period ends; others require you to request it. Check your state DMV website 30 days before your end date and initiate the request if needed.

Your Integon declarations page proves you maintained continuous coverage throughout the filing period. Any lapse, even one day, resets your filing clock to zero in most states and extends your non-standard rate period. Continuous coverage also qualifies you for prior insurance discounts with new carriers, which can reduce post-SR22 quotes by an additional 10-20%.

Frequently Asked Questions

Can I switch carriers while I have an SR-22 requirement with National General

Yes, you can switch carriers at any time during your SR-22 period. Your new carrier will file a new SR-22 certificate with your state DMV, and Integon will file a cancellation notice for the old certificate. Notify your new carrier of the SR-22 requirement before binding coverage to ensure the filing happens immediately. Any gap in SR-22 coverage, even one day, resets your filing period to zero in most states.

Does National General automatically lower my rate when my SR-22 ends

No, Integon does not automatically reduce your rate or transfer your policy to National General's standard division when your SR-22 requirement ends. You must contact them 30-60 days before the end date and request re-underwriting through the parent company. Many drivers continue paying non-standard rates for 12-24 months after their requirement ends simply because they did not initiate this conversation.

How much does National General charge to file SR-22

Integon charges a one-time SR-22 filing fee between $15 and $50 depending on your state. This is separate from the policy premium. If you need to refile due to a lapse or policy change, you will pay the filing fee again. Most states do not charge a separate DMV fee for accepting the SR-22 certificate, but reinstatement fees for the underlying suspension or violation can range from $50 to $300.

Will National General insure me if I have multiple DUIs

Integon considers drivers with multiple DUIs on a case-by-case basis. Eligibility depends on how recent the violations are, whether you completed all court-ordered programs, and your state's reinstatement requirements. If Integon declines, carriers like The General, Bristol West, and Acceptance Insurance specialize in multiple-DUI cases and may offer coverage where National General will not.