Our Story
Built by a Licensed Agent.
Built for Every Driver
Who Needs SR22.
SR22 Direct was built because getting SR22 insurance in America is harder than it should be. We combined a decade of insurance expertise with a data-driven approach to make the process fast, affordable, and stress-free nationwide.
Need an SR22?
We File in All 48 States.
When you call SR22 Direct, you reach a licensed insurance specialist, not a script-reading representative. You get real answers, real expertise, and real help — fast.
Real Agents. Not Call Centers.
Why SR22 Direct
We make SR22 and FR44 insurance
the simplest part of a hard situation.
A DUI conviction. A license suspension. Driving without insurance. Whatever got you here, you're dealing with enough. The last thing you need is an insurance company that makes the filing process confusing, slow, or expensive.
SR22 Direct exists to cut through all of that. We connect you directly with licensed agents who specialize in high-risk filings — no call centers, no runaround, no upsells. Just fast answers, the lowest rate available, and your SR22 or FR44 filed same day.
We built this platform because we believe access to affordable SR22 insurance shouldn't depend on who you happen to Google first. It should depend on expertise, speed, and price — and on all three, we intend to be the best in the country.
10 Min
Average time from first call to filed certificate
$38/mo
SR22 non-owner policies starting from
48 States
Licensed SR22 coverage nationwide
1,000+
Five-star reviews from real customers
How We Got Here
The SR22 Direct Story
Two operators — one in insurance, one in digital marketing — saw the same problem from different angles. Here's how SR22 Direct was built.
The Problem
High-Risk Drivers Deserve Better Than What's Out There
Evan Marcotte had been writing SR22 and FR44 policies at Five Star Insurance in St. Petersburg, FL for years. He saw firsthand how confusing and expensive the process was for drivers who needed it most — and how poorly the major carriers and comparison sites served this audience. Most pages ranking for "SR22 insurance" belonged to massive carriers with no local expertise, no urgency, and no real specialization in high-risk filings.
The Insight
Localized SEO Beats the Carriers. Every Time.
The formula was already proven: build hyper-local, highly specific content that national carriers can't produce at scale — and local specialists dominate. Nobody had done this in the SR22 space. The SERPs were dominated by generic comparison engines and carrier landing pages with no real depth. The opportunity to build a nationwide, content-first SR22 platform was wide open.
The Build
SR22 Direct Is Born — A Platform Built for Scale
In 2024, Evan founded SR22 Direct with a clear mandate: build the most authoritative SR22 and FR44 platform in the country. State pages, city pages, carrier comparisons, DUI resources, attorney directories — all driving inbound leads to licensed agents who can actually close them. The platform was built on Duda, powered by GoHighLevel for lead routing, and designed from the ground up for programmatic content at scale.
Today
Nationwide Coverage. Same-Day Filings. Zero Runaround.
SR22 Direct now serves high-risk drivers across all 48 SR22 states, with FR44 specialists in Florida and Virginia. Every call goes to a licensed agent who specializes in exactly this — not a call center rep reading from a script. The goal is simple: be the fastest, most affordable, most trusted SR22 platform in America.
Licensed Expert
The Agent Behind SR22 Direct
Every filing, every quote, every call — backed by a licensed insurance specialist with over a decade of experience in SR22 and FR44.
Evan Marcotte
Licensed Insurance Agent & Founder
Insurance Operations & Licensing
Evan Marcotte is a licensed insurance agent with over 10 years of experience in high-risk auto insurance, specializing in SR22 and FR44 filings. He founded Five Star Insurance in St. Petersburg, FL, where he built a reputation for fast, affordable filings and exceptional client service — as reflected in hundreds of five-star reviews.
Evan handles all insurance operations at SR22 Direct: carrier relationships, licensing, agent quality, and the actual policy work that gets clients back on the road. He's the reason our filings get done in 10 minutes instead of 10 days.
- Licensed insurance agent — Florida and multiple states
- Founder, Five Star Insurance — St. Petersburg, FL
- 10+ years specializing in SR22 and FR44 filings
- Carrier relationships: Dairyland, Progressive, Bristol West, National General
- FR44 certified specialist — Florida and Virginia
Need an SR22?
We File in All 48 States.
Why SR22 Direct
We're Not a Comparison Site.
We're Specialists.
Most websites that rank for SR22 insurance are either massive carriers who treat high-risk drivers as an afterthought, or generic comparison engines that sell your information to the highest bidder. SR22 Direct is neither.
Every call goes to a licensed specialist who handles SR22 and FR44 filings every single day — not a generalist agent who rarely sees this kind of file. That expertise translates directly into faster filings, fewer errors, and lower rates for you.
Same-Day Filing — Not Same Week
We submit SR22 and FR44 certificates electronically to your state DMV the day you bind coverage. Most clients receive their certificate within hours of their first call.
We Shop Every Carrier For You
We submit SR22 and FR44 certificates electronically to your state DMV the day you bind coverage. Most clients receive their certificate within hours of their first call.
Real Agents. Not Call Centers.
When you call SR22 Direct, you reach a licensed insurance specialist, not a script-reading representative. You get real answers, real expertise, and real help — fast.
Built Specifically for High-Risk Drivers
We don't sell home, life, or health insurance. SR22 and FR44 is all we do. That focus means we're better at it than anyone who does this on the side.
After dealing with multiple insurance companies with multiple quotes, I finally found one that was reasonably fair with pricing and the customer service from Evan was amazing. I highly recommend using them for your insurance needs.
Jordan Windsor
SR22 Customer ⭐⭐⭐⭐⭐
Florida and Virginia require FR44 after a DUI — with higher liability limits than SR22. We're FR44 specialists and handle this daily.
Bantul Riyatno
SR22 Customer ⭐⭐⭐⭐⭐
Licensed & Compliant
Florida and Virginia require FR44 after a DUI — with higher liability limits than SR22. We're FR44 specialists and handle this daily.
Your Data is Protected
We never sell your information to third-party data brokers. When you submit a quote, you're connected to a licensed agent — not added to a marketing list.
Real Humans, Available Now
Call us, text us, or submit a form. A licensed specialist will respond fast — because we know your situation is urgent and you don't have time to wait.
Our Carrier Network
We Shop the Best SR22 Carriers So You Don't Have To
We have established relationships with the leading high-risk auto carriers in the country — so we can always find you the lowest rate available in your state.
Dairyland
One of the most widely-used SR22 and FR44 carriers. Specializes in non-standard and high-risk auto insurance nationwide.
Progressive
Broad SR22 coverage availability across most states. Competitive rates for high-risk drivers with various violation types.
Bristol West
High-risk auto insurance specialist with strong state-level coverage for SR22 filings and DUI-related policies.
National General
Non-standard auto insurance with strong SR22 capabilities. Competitive for drivers with multiple violations or suspensions.
5.0 — What Our Customers Say
Real reviews from real drivers who needed SR22 insurance — fast
"Dealing with SR22 was stressful until I found SR22 Direct. They walked me through the process quickly, making what seemed complicated very straightforward. Efficiency, affordability, and genuine care — they have it all."
Ang Wen Jie
SR22 Insurance
"They gave me a great price and processed everything quickly. No hassle. The representative was so friendly, informative, and helpful. I highly recommend this company to anyone who needs SR22."
Terrika Burton Hobbs
SR22 Insurance
"Highly recommend if you're looking for the easiest way to get insurance. Had the pleasure of dealing with Evan — he was extremely helpful and made the whole process quick and easy."
Julie Rosa
SR22 Insurance
