Respnse: Mark, I understand your problem and do sympathize with you that you are labelled as “high risk” and need insurance from a specialty insurance company which underwrites SR22 auto insurance. Let me tell you that the insurance companies do base their rates on your credit rating.If the credit rating is bad the auto insurance would be high. In your case since you have already filled bankruptcy, your credit score is bad and so the normal personal lines insurer will not underwrite this insurance. The insurance company base their auto insurance rates on the statistics. It has been clearly proved that if a person has a good credit rating the chances of the person to claim under auto insurance are minmum. The chances of claim under auto insurance increase when credit rating goes lower. Secondly, the authorities might insist for a SR22 depending upon the state you live in since you will not be able to pay any liability of auto accident from your personal belongings, hence SR22 auto insurance form makes sure that you are insured.

I am sure you will be able to get out of the situation and once you are able to improve your credit rating you will be automatically get out of buying a SR22 auto insurance. For the time-being, I would advice you to shop around for cheap SR22 auto insurance quote. You can look up the quote given here and am sure you will get cheap Sr22 auto insurance.