SR-22 Insurance

An SR-22 is not an insurance policy. It is a certificate of financial responsibility that your insurer files with your state to prove you carry the minimum required coverage. Courts and motor vehicle agencies usually require it after a DUI, driving without insurance, a serious at-fault accident or a suspended license. FR-44 is the higher-limit version used in a small number of states, and our guide to SR-22 vs. FR-44 explains where each applies.People usually reach this page with the same handful of questions. What is the filing and who actually needs one? Our explainer What Is SR-22 Insurance and Who Actually Needs One is the right starting point. How do you get it? Follow How to Get SR22 Insurance: Step by Step, and read SR22 Filing Explained to see who files what and how fees work. If you own no car, Non-Owner SR22 Insurance covers that situation.Duration and consequences matter just as much as the first filing. The length of the requirement depends on your state and on the violation, so read How Long Does SR22 Stay on Your Record? before you plan. If the filing lapses, your insurer is generally required to notify the state, which can lead to a license suspension, so What Happens If Your SR22 Lapses or Gets Cancelled is worth reading before you ever miss a payment. When the requirement period ends, How to Get Rid of SR22 shows how to close the filing cleanly, and Does SR22 Follow You to Another State? covers moving. For the money side, see SR22 Insurance Down Payment.Each guide here names the official sources it relies on, such as state motor vehicle and public safety agencies, and shows where figures from different sources disagree. We are not an insurer or agency, and nothing here is legal or insurance advice. Confirm requirements with your state agency before you act.

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