What is SR-22 Insurance?


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UPDATED: 2020-02-25T18:46:56.920Z
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SR-22 insurance

If you’ve found yourself in need of an SR-22 documentation, you’ll likely have questions about it. What is it? Why do I need it? What is SR-22 insurance? Here is what you need to know:

What is an SR-22?

An SR-22 is a certificate of financial responsibility that is filed with the state’s DMV office and is typically required for some high-risk drivers. SR stands for safety responsibility. An SR-22 certificate guarantees the driver is maintaining insurance coverage that meets the state requirements for a specified time. Generally, an SR-22 is required for a minimum of three years, but the length can vary by state.

SR-22s are required for reinstatement of your license after it’s been revoked or suspended for reasons, such as a DUI or DWI, driving without insurance, a serious driving violation or accident that has caused injury, or having a lot of points on your driving record. An FR-44 is a similar certificate typically required after a DUI, but it has higher limits than an SR-22 and only exists in Virginia and Florida.

What is SR-22 Insurance?

You may hear the phrase “SR-22 Insurance.” While SR-22 signifies proof that you have insurance rather than an actual type of insurance, the phrase may still be used to describe your insurance coverage. An SR-22 will likely affect your car insurance coverage and rate.

An SR-22 places you in the category of a high-risk or non-standard driver. Some insurance companies won’t insure high-risk drivers and therefore won’t file an SR-22 for you. If you already have a car insurance policy but need SR-22 insurance, you’ll need to check with your company to see if it will file the SR-22 and continue your coverage. In some cases, you’ll be able to add an SR-22 to your existing policy but other times insurance companies won’t do it and you’ll need to find a new company.

The big question is: How much does this cost? The price of the SR-22 itself varies by state, but you’ll likely see a price hike in your SR-22 insurance coverage. Insurance companies see drivers with SR-22s as risky to insure, so your insurance company will likely raise your rates significantly. You may pay much more for SR-22 insurance coverage than if you had a standard car insurance policy.

How do I get an SR-22?

To get an SR-22, you’ll need to contact your car insurance company. The only way to get an SR-22 is through an insurance company — you can’t get it on your own.

You can still get an SR-22 to reinstate your license, even if you don’t have a car. You’ll need non-owner SR-22 insurance, which will provide you liability coverage for any car you drive, but it won’t cover damage to the car you’re driving.

If you need an SR-22, it might be time to shop for insurance. Even if your existing insurance company will allow an SR-22, you’ll likely experience a big rate increase. It may be a good idea to shop around to see if you can find a better rate. You can see who other drivers have rated as the best car insurance companies for SR-22.


The content on this site is offered only as a public service to the web community and does not constitute solicitation or provision of legal advice. This site should not be used as a substitute for obtaining legal advice from an insurance company or an attorney licensed or authorized to practice in your jurisdiction. You should always consult a suitably qualified attorney regarding any specific legal problem or matter. The comments and opinions expressed on this site are of the individual author and may not reflect the opinions of the insurance company or any individual attorney.

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