The Benefits of Taking a Defensive Driving Course for SR-22 Drivers

For drivers required to file an SR-22, the road back to a standard insurance policy can feel like a long one.

An SR-22 is not a type of insurance but a certificate proving a driver carries the minimum required liability coverage. It’s often mandated after serious traffic violations, such as DUIs or driving without insurance.

While the requirement itself can be a source of stress, there are proactive steps drivers can take to improve their standing with insurers. One of the most impactful is completing a defensive driving course.

A Path Toward Safer Habits

Defensive driving courses are designed to sharpen a driver’s awareness and decision-making. The curriculum typically covers hazard recognition, accident avoidance techniques and the importance of maintaining a safe following distance.

While the course doesn’t affect a driving record, it can help shift the narrative from risk to responsibility. Some insurers offer discounts for drivers who complete approved defensive driving courses.

Financial and Practical Advantages

Beyond the educational benefits, defensive driving courses can also offer financial advantages. Some insurers may consider course completion when evaluating policy terms for SR-22 drivers. While it won’t eliminate the SR-22 requirement, it may contribute to a more favorable assessment.

Contact Us

If you’re required to file an SR-22 and want to explore ways to reduce your premiums, contact your agent at Prescott & Craig, Inc. today to discuss your options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.