Wessell Insurance Services

What Wessell Insurance Services does

Wessell Insurance Services LLC is a personal lines insurance broker founded in 2005 and headquartered in O'Fallon, Missouri, that specializes exclusively in certificates of financial responsibility — primarily SR-22, FR-44, and DL123 filings — required by state DMVs to reinstate suspended or revoked driver's licenses. The company serves high-risk individual consumers, including DUI/DWI offenders, drivers with multiple violations, and non-vehicle owners needing operator-only coverage, offering non-owner SR-22, auto, motorcycle, broad form auto, and state-specific filings (FR-44 for Florida/Virginia, DL123 for North Carolina, SR50 for Indiana). Distribution runs through a dedicated phone sales line (866-663-7561) and an online universal quote form, with agents guiding customers through coverage selection in a consultative, phone-led inside-sales motion.

The core technology is an electronic filing system that connects to state DMV databases to produce same-day certificate delivery, with policy documents transmitted immediately via email. The company does not develop proprietary AI, APIs, or integrations; its systems are standard insurance brokerage workflow tools combined with content management for its blog and quote forms.

Revenue is generated entirely through commissions earned on policy placements with a network of A+ rated carriers including Dairyland, Progressive, Sentry, Safeco, Foremost, Viking, and The General. Wessell operates as an intermediary broker, not a direct insurer, with no underwriting capacity of its own. The company is licensed in 30 states and markets itself as the 'SR-22 Specialist,' competing on niche expertise rather than scale or technology differentiation.

Name

Wessell Insurance Services

Legal name

Wessell Insurance Services LLC

Website

https://sr22-insurance-policies.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

1–10 employees

Short description

Wessell Insurance Services is a personal lines insurance broker in O'Fallon, Missouri that specializes in SR-22, FR-44, and DL123 certificate filings for high-risk individual drivers needing to reinstate suspended or revoked licenses across 30 states.

Ownership category

akta.pro rank

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

SR-22 / FR-44 Personal Auto Insurance (FSAJAAAJ)

Keywords

• SR-22 insurance filings
• High-risk auto insurance
• License reinstatement insurance
• Non-owner auto insurance
• Financial responsibility certificates

Headquarters

HQ city

O Fallon

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Insurance Brokerage Commissions: As a personal lines insurance broker, Wessell Insurance Services earns commissions from insurance carriers (Dairyland, Progressive, Sentry, and others) for policies placed. Revenue is generated from policy premiums paid by customers, with the company receiving a percentage or flat fee per policy sold and renewed.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Wessell Insurance Services is a personal lines insurance broker that places auto, non-owner, motorcycle, and broad-form auto policies through carrier partners and files SR-22, FR-44, DL123, and SR50 certificates of financial responsibility with state DMVs. Its core service is helping high-risk drivers reinstate suspended or revoked licenses by providing the state-required proof of insurance filings, with same-day electronic DMV filing and immediate email document delivery. The company is licensed in 30 states and specializes in difficult cases such as out-of-state, cross-state, multi-state, no-prior-license, and DUI-related filings.

Product overview

Wessell Insurance Services is a personal lines insurance broker specializing in SR-22, FR-44, and DL123 certificate of financial responsibility filings for drivers needing to reinstate suspended or revoked licenses. The company offers Non-Owner SR22 Insurance as a liability-only policy for drivers without vehicles, alongside traditional Auto Insurance with optional full coverage. Motorcycle Insurance and Broad Form Auto Insurance are offered as lower-cost alternatives that can also carry SR-22 filings. For specific state requirements, the company provides FR-44 Insurance for Florida and Virginia (higher liability limits for DUI convictions), DL123 Insurance for North Carolina, and SR50 Insurance for Indiana. The product portfolio centers on helping high-risk drivers obtain the state-mandated proof of insurance filings needed to regain driving privileges.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Same-day SR-22 filing with immediate email document delivery
• +2 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and secondary.

• Dairyland InsurancecoreChannel Partner/ Reseller/ DistributorPrimary insurance carrier partner providing SR-22, FR-44, and standard auto/motorcycle policies. Featured carrier on the company's website with logo placement. Part of the carrier network offering high-risk insurance products.
• Progressive InsurancecoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner featured on website. Provides SR-22 filings and auto insurance policies. Listed as carrier providing certificates of financial responsibility.
• Sentry InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner featured on website. Provides SR-22 and certificate of financial responsibility filings for high-risk drivers.
• Safeco InsurancesecondaryChannel Partner/ Reseller/ DistributorCarrier partner for FR-44 insurance in Florida. Provides certificates of financial responsibility for DUI-related filings.
• Foremost InsurancesecondaryChannel Partner/ Reseller/ DistributorCarrier partner for Florida FR-44 filings. Part of the carrier network for high-risk insurance products.
• Viking InsurancesecondaryChannel Partner/ Reseller/ DistributorCarrier partner for Florida FR-44 insurance certificates. Completes the carrier network for state-required financial responsibility filings.
• The General InsurancesecondaryChannel Partner/ Reseller/ DistributorCarrier partner providing SR-22 forms and certificates of insurance. Specializes in high-risk driver coverage.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Dairyland Insurance: Direct high-risk auto insurance carrier and a Wessell carrier partner. Sells SR-22, FR-44, and non-owner policies directly to consumers, overlapping with Wessell's core product set but operating as a carrier rather than a broker.
• Progressive: National auto insurance carrier that issues SR-22 policies directly and through agents. A Wessell carrier partner, Progressive's direct SR-22 capabilities represent both a partnership and a competitive overlap.
• Bristol West Insurance Group: High-risk auto insurance carrier serving non-standard drivers, including SR-22 filings. Operates as a carrier with broad distribution rather than as a niche broker like Wessell.

Direct peers

• The General Insurance: Direct-to-consumer auto insurer specializing in high-risk and SR-22 drivers. Competes directly with Wessell for the same end customer, including offering SR-22 filings online without a broker intermediary.
• Direct Auto Insurance: Specialty carrier focused on non-standard and high-risk drivers, offering SR-22 filings and state-required certificates of financial responsibility across multiple states — direct competition for Wessell's customer base.
• Acceptance Insurance: National non-standard auto insurance retailer providing SR-22 filings and high-risk coverage through both retail locations and digital channels, competing for the same license-reinstatement customer.
• Elephant Insurance: Direct-to-consumer auto insurance carrier offering SR-22 filings and high-risk coverage in multiple states. Competes with Wessell by offering online SR-22 binding and policy issuance.
• SafeAuto Insurance: Non-standard auto insurance carrier specializing in state-minimum liability and SR-22 filings for high-risk drivers, with similar digital and phone-based distribution to Wessell.

Regional players

• GoAuto Insurance: Regional non-standard auto insurance carrier operating primarily in the southern U.S., offering SR-22 and high-risk driver policies through retail locations — a geographic subset of Wessell's 30-state footprint.

Emerging players

• NonOwnersInsurance.com: Digital-first brokerage focused specifically on non-owner auto insurance and SR-22 filings. A niche direct competitor in the non-owner segment where Wessell also competes.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/wessellinsuranceservices
• LinkedInlinkedin.com/company/wessell-insurance-services
• Xx.com/wessellins

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Wessell Insurance Services