What Is an SR-22? Who Needs One and How It Works With Auto Insurance
If a court or your state's motor vehicle agency tells you that you need an SR-22, it can sound confusing. It is not a type of insurance. It is a form your insurer files to show the state that you have the required coverage. This guide explains how it works. Rules vary by state, so confirm yours with your motor vehicle agency.
What an SR-22 Actually Is
An SR-22 is a certificate of financial responsibility. Your insurer files it with the state on your behalf, confirming that you carry at least the minimum required liability coverage. You still buy a regular auto policy. The SR-22 is added to it.
Who May Need One
States require an SR-22 for drivers who have had certain serious issues, which may include:
- Driving under the influence
- Driving without insurance
- Serious or repeated traffic violations
- At-fault accidents while uninsured
- License suspension or revocation reinstatement
Which events trigger it, and for how long, depends on the state and the court or agency involved. A few states use different forms, for example FR-44 forms that require higher liability limits.
How Long Does It Last?
Many states require an SR-22 for about three years, though the period varies. It generally has to stay in place without a lapse for the entire period.
What Happens If Your Coverage Lapses
Your insurer is typically required to notify the state if the policy is canceled or not renewed. A lapse can lead to license suspension, extra fees, or restarting the filing period. If you plan to switch insurers, arrange the new policy and the new filing before you cancel the old one.
How It Can Affect Your Premium
Because an SR-22 usually follows a serious event, drivers often pay more for coverage. Some insurers also charge a filing fee, and not every insurer offers SR-22 filings, so you may need to look beyond your current company.
Shopping for Coverage With an SR-22
- Ask your current insurer whether they file SR-22s and what the cost is.
- Compare quotes from insurers that do. See our guide to comparing auto insurance quotes.
- Match the required limits. The SR-22 requires at least your state's minimum, but your situation may call for more. Our guide to liability limits explains why.
- Keep records of the filing and the dates you must maintain it.
If You Do Not Own a Car
If you need an SR-22 but do not own a vehicle, you may be able to get a non-owner policy. Ask an agent whether that applies in your state.
What Happens After the Requirement Ends
Once the required period passes, you can ask your insurer to remove the filing. Your rate may fall over time as the event ages. Our guide on tickets and accidents explains how records affect pricing.
Sources and Further Reading
Frequently Asked Questions
Is an SR-22 a type of insurance?
No. It is a certificate your insurer files to show you carry required coverage.
How long do I need an SR-22?
Often about three years, but it varies by state and by the reason for the requirement.
Will my current insurer file one?
Some do and some do not. Ask them.
What if I let my policy lapse?
The insurer typically notifies the state, which may suspend your license or restart the requirement.