SR-22 Insurance: What It Is, How It Works, and Where We Can File
SR-22 isn’t a policy—it’s a state-required financial responsibility form your insurer files with the DMV to prove you carry at least the minimum liability coverage. If the state says you need one, we can help you file fast.
What is an SR-22?
An SR-22 is a certificate your insurer files with your state’s motor vehicle department to confirm you have active liability insurance. It’s often required after incidents like a DUI, uninsured accident, serious violations, or license suspension/reinstatement. Some states use an FR-44 or different form, but the idea is the same: prove financial responsibility.
- It’s not insurance: it’s proof you carry insurance.
- Filing period: commonly 3 years (varies by state and violation).
- Costs: small filing fee + any policy premium changes based on risk.
- Important: policies must stay active—lapses trigger a notice to the state.
How to Get an SR-22
- Call us or start a quote. We’ll confirm your state’s exact requirement.
- Choose coverage. We’ll shop multiple carriers to keep costs in check.
- We file the SR-22. The insurer sends the form electronically to your DMV.
- Drive and stay covered. Keep continuous coverage until the state releases you.
Already insured? We can add an SR-22 to an existing policy in many cases.
File an SR-22 by State
Don’t see your state above? Contact us—we’ll point you to the right form and filing.
SR-22 FAQs
How long do I need an SR-22?
Most states require about three years, but it depends on your violation and state rules. Your DMV or court order will specify the term.
How fast can you file?
Often the same day once your policy is active. Many carriers file electronically to the state for quicker processing.
Will my rate go up?
There’s a small filing fee, and your premium may change based on the underlying violation. We shop multiple carriers to keep it competitive.
What happens if my policy lapses?
The insurer must notify the state, which can trigger license suspension. Keep coverage continuous until your SR-22 requirement is lifted.
Last Updated on by Jayleen Ridgeway