An SR-22 is proof that you meet your state’s auto insurance requirements after a license suspension. Do you know where you can get the cheapest insurance with one?

No one enjoys paying for car insurance, not even drivers fortunate enough to have low premiums. But drivers who have committed a serious violation, like drunk driving, will likely end up paying much higher premiums, and that’s on top of the fees handed out by your state’s DMV. In fact, your insurance provider may even drop you after a major violation if they aren’t willing to file an SR-22 on your behalf.

These expenses can make even basic car insurance a drain on your finances, but take heart—if you can keep your driving record clean for the next few years, you can return to standard coverage rates.

Insurify can help you compare quotes from dozens of the top-rated SR-22 insurance companies, including GAINSCO, Hallmark, Infinity, Jupiter, Mercury, SafeAuto, and Direct General, all in one place. All of these companies will provide SR-22 certification. Since the road ahead will be financially tricky, let Insurify secure you the savings you’ll need.

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Table of Contents

What is an SR-22?

An SR-22 certification, a.k.a. Certificate of Financial Responsibility, is proof that you carry enough car insurance coverage to meet your state’s minimum requirements. Drivers are required to get an SR-22 bond after having had their driver’s license suspended or revoked.

The kind of violations that warrant license revocation include:

  • DUI/DWI
  • Driving without car insurance
  • Responsibility for an accident that resulted in serious injuries/death
  • Having accrued a great number of points against your driver’s license

An SR-22 is not insurance; it’s a certificate filed by your car insurance company with your local DMV. Having an SR-22 requirement also means you must continue to have this amount of liability coverage for a specified amount of time.

Types of SR-22 forms

There are 3 different types of SR-22 certifications.

  • Operator or Non-Owner: An operator/non-owner’s form is for drivers who borrow or rent a car but do not own their own car. This form protects the policyholder, not a specific vehicle. It’s required in many states, including Arizona and Indiana.
  • Owner: An owner’s form is for drivers who own and drive their own car exclusively.
  • Operator/Owner: An operator/owner form is a combination form for drivers who own their own car, but also borrow or rent occasionally.

Who needs an SR-22?

Any driver who has been convicted of a serious moving or traffic violation will be informed in court that they must file an SR-22.

As long as your license is suspended or revoked, maintaining an SR-22 certificate is the only way that you will be allowed to drive. If, in the end, a court refuses to reinstate your license, then you will not be permitted to drive at all, whether you have an SR-22 or not.

In some states, those convicted of a DUI/DWI must file for operator or non-owner SR-22 insurance if they often borrow or rent a car, but do not drive their own vehicle. A non-owner SR-22 insurance policy would cover a driver for liability (e.g., vehicle damages and personal injury incurred by another party in an accident), but not the vehicle being driven by the non-owner.

In some scenarios, including those where the court has ordered that the convicted driver use an interlock device or IID, the driver may not be eligible for a non-owner SR-22 insurance policy.

Violations that warrant license revocation

Committing the following driving infractions can result in the loss of your license, either temporarily or permanently:

  • DUI/DWI (driving under the influence / driving while intoxicated)
  • Being responsible for an at-fault accident when you do NOT have auto insurance
  • Being responsible for a major traffic violation, like an accident with serious injuries or deaths
  • Having several traffic violations in a small period of time
  • Driving with a revoked or suspended license

Not every state in the U.S. requires its drivers to file SR-22 forms. But states that don’t require SR-22 certification usually have their own proof-of-insurance forms, such as an FR-44 or FR-19.

States that do not require any kind of proof-of-insurance certification include Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania.

SR-22 Requirements by State

State SR-22 Required? Minimum filing period (in years)
Alabama Yes 3
Alaska Yes 3-5
Arizona Yes 3
Arkansas Yes 3
California Yes 3
Colorado Yes 3
Connecticut Yes 3
Delaware No, FR-19 required N/A
District of Columbia Yes 3
Florida Yes, FR-44 also required 3
Georgia Yes 3
Hawaii Yes 3
Idaho Yes 3
Illinois Yes 3
Indiana Yes 3
Iowa Yes 2
Kansas Yes 3
Kentucky No N/A
Louisiana Yes 3
Maine Yes 3
Maryland Yes, FR-19 also required 3
Massachusetts Yes 3
Michigan Yes 3
Minnesota No N/A
Mississippi Yes 3-5
Missouri Yes 2-3
Montana Yes 3
Nebraska Yes 3
Nevada Yes 3
New Hampshire Yes 3
New Jersey Yes 3
New Mexico No N/A
New York No N/A
North Carolina No N/A
North Dakota Yes 1
Ohio Yes 3
Oklahoma No N/A
Oregon Yes 3
Pennsylvania No N/A
Rhode Island Yes 3
South Carolina Yes 3
South Dakota Yes 3
Tennessee Yes 3
Texas Yes 2
Utah Yes 3
Vermont Yes 3
Virginia Yes, FR-44 also required 3
Washington Yes 3
West Virginia Yes 3
Wisconsin Yes 3
Wyoming Yes 3

If you move to a state that does not require SR-22s, you must still maintain the SR-22 you filed in your previous state until the filing period is over.

How to file an SR-22

Purchasing and maintaining SR-22 insurance is not as easy as buying a standard car insurance policy. You cannot file an SR-22 on your own; only an auto insurance provider can file the certification for you, and only after you’ve purchased car insurance coverage from them.

Not all insurance companies provide SR-22s because not all insurance companies serve high-risk drivers. If your current insurance provider can’t or won’t file one for you, you’ll have to find a provider who can.

After you’ve found a provider to file your SR-22 certification and purchased insurance from them, it can take over 30 days to receive the SR-22. Despite the fact that you’ve already paid the auto insurance company, your certification is not complete (and you won’t regain your driving privileges) until the SR-22 is submitted and filed with the DMV or your state traffic authority. Until then, your driver’s license will still read “suspended” or “revoked” within the computer system.

Once the filing process is complete, you will receive a paper copy of the SR-22 certificate. Just as you always drive with your insurance papers in your glove compartment, you should carry a copy of your SR-22 in case you are pulled over by police.

Where to find an insurance company that provides SR-22 insurance

So, what is SR-22 insurance? Typically, this misnomer refers to any insurance provider’s policy that will cover you should you need to file an SR-22.

Different insurance companies cater to different kinds of risk, which means a particular company isn’t going to be a perfect fit for every driver on the road. Insurance companies can be categorized into 3 groups depending on what kind of driver they typically cover: preferred, standard, and non-standard. In particular, non-standard companies insure drivers who have a higher level of risk. These drivers are considered the most likely to cause an accident and thus file claims. Non-standard individuals are usually new or teen drivers. They have poor credit and multiple traffic or moving violations on their record.

Check the table below to see if your current insurance provider services non-standard drivers. If your provider does not appear on the non-standard list, it’s a good idea to get SR-22 insurance quotes from non-standard companies that operate in your area. You will most likely receive the best customer care and cheapest premium payments if you switch to a non-standard provider to file an SR-22.

Insurify can help you compare quotes from insurance companies that will provide SR-22 certification. You cannot cancel your current insurance policy until you have a new one with an SR-22. Doing so will void your SR-22 and you’ll be in a lot of trouble.

But online car insurance quotes comparison and weighing the benefits of cheap SR-22 insurance quotes at least offers you some flexibility and freedom of choice. Once you’ve found a new policy that fits your needs and will file your SR-22, call your current provider to cancel and disclose your SR-22 situation. It is illegal to hold dual insurance policies when one company knows about your SR-22 and the other does not.

Insurance companies that can file SR-22s

StateCompanies that offer SR-22 insurance
AlabamaAcceptance, Affirmative, Ameriprise, AssuranceAmerica, Consumers Insurance, Dairyland, Direct General, Esurance, Everest National, Farmers, Foremost, GEICO, Good2Go, Infinity, Jupiter Auto, Mendota, National General, Progressive, Safeco, Safeway, The General, Titan, Victoria
AlaskaDairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, The General
ArizonaAcceptance, Ameriprise, Anchor, AssuranceAmerica, Carnegie Insurance, Dairyland, Esurance, Farmers, Foremost, Gainsco, GEICO, Good2Go, Hallmark, Legacy, Mendota, Mercury, National General, Pekin, Progressive, SafeAuto, Safeco, Safeway, State Auto, Stillwater, The General, Titan, United Auto, Victoria
ArkansasAmeriprise, Consumers Insurance, Dairyland, Direct General, Esurance, Farm Bureau Financial Services, Farmers, Foremost, GEICO, Good2Go, Hallmark, Infinity, Jupiter Auto, Mendota, National General, Progressive, Safeco, Safeway, The General, United Auto, Victoria
California21st Century, Acceptance, Affirmative, Alliance United, Anchor, Aspire, Carnegie Insurance, Dairyland, Esurance, Everest National, Farmers, Foremost, Freedom National, GEICO, Good2Go, Infinity, Kemper, Legacy, Mendota, National General, Personable Insurance, Progressive, Reliant, RMIS, Safeco, SCJ, Stillwater, The General, Titan, Victoria, Workmens
ColoradoAmeriprise, Carnegie Insurance, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Legacy, Mendota, National General, Progressive, Safeco, Safeway, State Auto, The General, Titan, Victoria
ConnecticutDairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, The General, Victoria
DelawareAmeriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, The General, Titan
District of ColumbiaAmeriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, The General, Victoria
FloridaAcceptance, Ameriprise, AssuranceAmerica, Dairyland, Direct General, Esurance, Farm Bureau Financial Services, Farmers, Foremost, Gainsco, GEICO, Good2Go, Infinity, Mendota, Mercury, National General, Progressive, Safeco, Stillwater, The General, Titan, United Auto, Victoria
GeorgiaAcceptance, Aggressive, Ameriprise, AssuranceAmerica, Dairyland, Direct General, Esurance, Everest National, Farm Bureau Financial Services, Farmers, Foremost, Gainsco, GEICO, Good2Go, Grange, Infinity, Jupiter Auto, Mendota, Mercury, National General, Progressive, SafeAuto, Safeco, Safeway, The General, Titan, United Auto, Victoria
Hawaii21st Century, Dairyland, Esurance, Farmers, First Hawaii, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, The General, Idaho, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, Stillwater, The General, Victoria
IdahoDairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, Stillwater, The General, Victoria
IllinoisAcceptance, Affirmative, Ameriprise, Consumers Insurance, Dairyland, Direct General, Elephant, Esurance, Farmers, Foremost, Founders, GEICO, Good2Go, Grange, Grinnell, Hallmark, Mendota, Mercury, National General, Pekin, Progressive, SafeAuto, Safeco, Safeway, State Auto, Stillwater, The General, Titan, United Auto, Victoria, West Bend Mutual
IndianaAcceptance, Affirmative, Ameriprise, AssuranceAmerica, Consumers Insurance, Dairyland, Elephant, Esurance, Farmers, Foremost, Founders, GEICO, Good2Go, Grange, Grinnell, Hallmark, Mendota, National General, Pekin, Progressive, SafeAuto, Safeco, State Auto, Stillwater, The General, Titan, Victoria, West Bend Mutual
IowaAmeriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Grange, Grinnell, Mendota, National General, North Star, Pekin, Progressive, Safeco, The General, Victoria, West Bend Mutual
KansasAmeriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, North Star, Progressive, SafeAuto, Safeco, The General, West Bend Mutual
KentuckyAmeriprise, Dairyland, Esurance, Farm Bureau Financial Services, Farmers, Foremost, GEICO, Good2Go, Grange, Hallmark, National General, Progressive, SafeAuto, Safeco, The General, Victoria, West Bend Mutual
LouisianaAffirmative, Dairyland, Direct General, Esurance, Farm Bureau Financial Services, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, SafeAuto, Safeco, Safeway, The General
MaineDairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Patriot, Progressive, Safeco, The General
MarylandAmeriprise, Brethren Mutual, Cumberland, Dairyland, Elephant, Esurance, Farmers, Foremost, GEICO, Good2Go, Hallmark, National General, Progressive, Safeco, The General, Titan, Victoria
MassachusettsDairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Merchants, National General, Occidental, Progressive, Safeco, Safety, The General, Victoria
MichiganAmeriprise, Dairyland, Esurance, Everest National, Farm Bureau Financial Services, Farmers, Foremost, Frankenmuth, GEICO, Good2Go, Grange, Merchants, National General, Progressive, Safeco, The General, West Bend Mutual
MinnesotaDairyland, Esurance, Farmers, Foremost, GEICO, Grange, Grinnell, Mendota, National General, North Star, Progressive, Safeco, Stillwater, The General, Victoria, West Bend Mutual
MississippiAcceptance, Ameriprise, Dairyland, Direct General, Esurance, Farmers, Foremost, GEICO, Mendota, National General, Progressive, SafeAuto, Safeco, Safeway, The General, Titan, United Auto, Victoria
MissouriAcceptance, Affirmative, Ameriprise, AssuranceAmerica, Consumers Insurance, Dairyland, Direct General, Esurance, Farmers, Foremost, GEICO, Good2Go, Grinnell, Mendota, National General, Progressive, SafeAuto, Safeco, Stillwater, The General, Victoria, West Bend Mutual
MontanaDairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Hallmark, National General, Progressive, Safeco, The General, Victoria
NebraskaAmeriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Grinnell, National General, North Star, Progressive, Safeco, Stillwater, The General, Victoria, West Bend Mutual
NevadaAcceptance, Ameriprise, Carnegie Insurance, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Hallmark, Infinity, Mendota, Mercury, National General, Progressive, Safeco, Stillwater, The General, Titan, United Auto, Victoria
New HampshireDairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Merchants, National General, Patriot, Progressive, Safeco, Safety, The General
New JerseyDairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Merchants, Mercury, National General, Progressive, Safeco, The General
New MexicoAcceptance, Ameriprise, Dairyland, Esurance, Farmers, Foremost, Gainsco, GEICO, Good2Go, Hallmark, Mendota, National General, Progressive, Safeco, Safeway, Stillwater, The General, Titan, Victoria
New YorkAmeriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Merchants, Mercury, National General, Progressive, Safeco, The General, Victoria
North CarolinaDairyland, Direct General, Esurance, Farm Bureau Financial Services, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, The General, Titan
North DakotaDairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Grinnell, National General, North Star, Progressive, Safeco, The General, Victoria
OhioAcceptance, Ameriprise, Dairyland, Esurance, Farmers, Foremost, Founders, Frankenmuth, GEICO, Good2Go, Grange, Grinnell, Hallmark, Merchants, National General, Pekin, Progressive, SafeAuto, Safeco, State Auto, Stillwater, The General, Titan, Victoria, West Bend Mutual
OklahomaAmeriprise, Dairyland, Esurance, Farmers, Foremost, Gainsco, GEICO, Good2Go, Grinnell, Hallmark, Jupiter Auto, Mercury, National General, North Star, Progressive, SafeAuto, Safeco, The General, United Auto, Victoria
OregonAmeriprise, Carnegie Insurance, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, PEMCO, Progressive, Safeco, Stillwater, The General, Victoria
PennsylvaniaAcceptance, Ameriprise, Brethren Mutual, Cumberland, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Grange, Grinnell, Infinity, Merchants, National General, Progressive, SafeAuto, Safeco, The General, Titan, Victoria
Rhode IslandDairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Merchants, National General, Progressive, Safeco, Stillwater, The General
South CarolinaAcceptance, Ameriprise, AssuranceAmerica, Dairyland, Direct General, Esurance, Everest National, Farm Bureau Financial Services, Farmers, Foremost, Gainsco, GEICO, Good2Go, Grange, National General, Progressive, SafeAuto, Safeco, The General, Titan, United Auto, Victoria
South DakotaAmeriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Grinnell, National General, North Star, Progressive, Safeco, The General
TennesseeAcceptance, Consumers Insurance, Dairyland, Direct General, Elephant, Esurance, Everest National, Farmers, Foremost, Gainsco, GEICO, Good2Go, Grange, Hallmark, Jupiter Auto, Mendota, National General, Progressive, SafeAuto, Safeco, Safeway, Stillwater, The General, Titan, Victoria
TexasAcceptance, Affirmative, Aggressive, Ameriprise, Anchor, AssuranceAmerica, Carnegie Insurance, Dairyland, Direct General, Elephant, Esurance, Farm Bureau Financial Services, Farmers, Foremost, Gainsco, GEICO, Good2Go, Hallmark, Infinity, Jupiter Auto, Mendota, Mercury, National General, Personable Insurance, Progressive, SafeAuto, Safeco, Safeway, Star Canyon, Stillwater, The General, Titan, United Auto, Victoria
UtahAmeriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Mendota, National General, Progressive, Safeco, Stillwater, The General, United Auto, Victoria
VermontAmeriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Merchants, National General, Patriot, Progressive, Safeco, The General
VirginiaAcceptance, Ameriprise, AssuranceAmerica, Brethren Mutual, Consumers Insurance, Dairyland, Direct General, Esurance, Farm Bureau Financial Services, Farmers, Foremost, Gainsco, GEICO, Good2Go, Grange, Mendota, Mercury, National General, Progressive, SafeAuto, Safeco, Stillwater, The General, Titan, Victoria
WashingtonAmeriprise, Carnegie Insurance, Dairyland, Esurance, Farmers, Foremost, GEICO, Hallmark, National General, PEMCO, Progressive, Safeco, Stillwater, The General, Titan
West VirginiaAmeriprise, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, The General, Titan, Victoria
WisconsinAmeriprise, Dairyland, Esurance, Farmers, Foremost, Founders, GEICO, Good2Go, Grange, Grinnell, Mendota, National General, Pekin, Progressive, Safeco, State Auto, Stillwater, The General, Victoria, West Bend Mutual
WyomingDairyland, Esurance, Farmers, Foremost, GEICO, National General, Progressive, Safeco, The General

Where can I get cheap SR-22 insurance?

In the event you need to file an SR-22 or a similar form with your insurance company, you’ll need to know which companies are willing and legally eligible to provide proof of insurance coverage.

Insurify can help you compare quotes from dozens of the top-rated SR-22 insurance companies, including GAINSCO, Hallmark, Infinity, Jupiter, Mercury, SafeAuto, and Direct General, all in one place. Through comprehensive auto insurance quote comparison, you’ll be able to see, in real time, if your driving profile and needs can lead to a better rate than your previous insurance company offered—even if you need to file an SR-22.

Insurify’s intuitive flow will guide you through the steps to specify the elements of your risk profile. You can unlock savings opportunities for which you’re eligible in a matter of a few minutes.

Once you get 5-7 quotes from top insurance companies, you’ll be able to compare available rates from those willing to accommodate your SR-22. You’ll then know that you’re getting the best value based on your needs and current situation.

For example, here are sample quotes for the following sample driver profile: female; single; 29 years old; living in Columbia, Tennessee; driving a 2005 BMW X3; has no kids who drive; currently insured; no comprehensive and collision coverage; needs to file for an SR-22.

Insurance CompanyQuote
GAINSCO$41/month
Hallmark$51/month
The General$74/month
Bristol West$91/month
Direct General$103/month
Dairyland$124/month

The following chart depicts the sheer range of quotes offered to this driver, and demonstrates the benefits of SR-22 insurance cost comparison:

Here’s another example. This driver has the following profile: male; single; 34 years old; living in Craigsville, Virginia; driving a 2012 Hyundai Sonata GLS; has no kids who drive; currently insured; no comprehensive and collision coverage; needs to file for an SR-22.

Insurance CompanyQuote
Assurance America$62/month
National General$62/month
Mercury$65/month
Bristol West$73/month
Dairyland$78/month
The General$95/month

How long is a driver required to have an SR-22?

An SR-22 must usually stay on file anywhere from 2 to 5 years after your suspension or revocation. The average amount of time is 3 years, but the required time can be longer depending on the severity of your violations. Repeat offenders may also get longer SR-22 requirements, especially if you commit further serious driving offenses during your SR-22.

Keeping SR-22 insurance for the required length of time helps you to keep your license or eventually get it back after repeated or serious violations. If you remain violation-free for the length of your sentence, you’ll be eligible to purchase car insurance in the standard market again at normal rates.

How much does SR-22 insurance cost?

The cost of filing an SR-22 varies by state because the price is set by each state’s DMV. The average filing surcharge is $25. A filing charge is required of each individual on a policy, so if you and your spouse both need an SR-22 bond you will each be charged a filing fee.

This filing fee is a one-time charge, so you won’t have to pay it again when it’s time to renew your SR-22 insurance policy. However, you will have to pay additional fees (and penalties) if you let your insurance policy lapse.

Filing fees aside, be aware that your insurance rates will increase significantly because you’re now considered a high-risk driver. Generally speaking, the nature of your traffic violation will affect how expensive your SR-22 premiums become. For instance, a DUI/DWI conviction usually triggers higher insurance premiums than a speeding violation does.

Individuals with SR-22 requirements who need to buy a new policy are often required to pay for the policy in full, up front. On the other hand, paying in full when you get the policy ensures that you will have car insurance for that entire period and won’t be at risk for cancellation.

Does an SR-22 expire?

Your SR-22 bond will remain valid for as long as the associated insurance policy stays active. An SR-22 lapses immediately if you cancel your insurance policy, whether that’s due to missing one or more payments, forgetting to renew, or being denied renewal by the insurance company.

If your auto insurance coverage ends, the insurance company is required by law to inform your DMV that you are driving uninsured and have not followed the requirements of your SR-22. Your license will likely be suspended and you will face court fees, penalty fees, and reinstatement fees.

It’s best to renew your insurance policy at least 15 days before your policy expires so that if your insurance company denies you renewal, you’ll have time to shop around for a new policy.

What about FR-44 and FR-19 forms?

An FR-44, like the SR-22, is proof of insurance coverage at the present moment in time. It is required in certain states.

The FR-19 is issued in select states to prove that the driver has had insurance at some point in the past. Some states mandate filing an FR-19 to ensure that there has not been a lapse in insurance coverage in the driver’s past.

Consult this table to see which states require an FR-44 or an FR-19 in addition to, or as opposed to, an SR-22.

Conclusion

It’s extremely important to avoid violations during your SR-22 filing period.

If you continue to renew your insurance policy and keep a clean driving record, you’ll be able to purchase a standard insurance policy once your sentence is over. The ability to purchase a standard auto insurance policy will not only expand your options, but it will also greatly decrease your monthly premium costs.

Still, don’t forget to use Insurify to get SR-22 insurance quotes from multiple insurance companies before you choose your next policy. Doing so can save you even more money while helping you to get the coverage you need.

Wendy Connick is the founder and owner of Connick Financial Solutions, a provider of tax and bookkeeping services and a QuickBooks Online Certified ProAdvisor. A long-time freelance writer, she specializes in business and finance articles on subjects including taxes, investing, and retirement. Wendy is an Enrolled Agent (EA), the only federally licensed tax practitioners who specialize in taxation and have unlimited rights to represent taxpayers before the IRS. She is a member of the National Association of Enrolled Agents and a certified volunteer for VITA (Volunteer Income Tax Assistance), an IRS-sponsored program to provide free tax help for low-income individuals and families.