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An SR-22 is a certificate of financial responsibility for drivers that proves a person has their state's minimum required auto insurance coverage.
It's required by state or court order for certain drivers, and is filed with the Secretary of State by your insurance company on your behalf.
- If you are required to obtain an SR-22, wait until you have received notice from the Secretary of State.
- After receipt of the mailed notice, you have 90 days to file the SR-22.
- Then simply tell the insurance agent or company that you are a driver in need of an SR-22. They will take it from there!
- After your insurance has filed and processed, the state will notify you.
We can help you shop for coverage that meets your state's minimum requirements and satisfy the requirements of an SR-22.
Keep in mind that SR-22 coverage typically must be kept in effect for multiple years in a row without any lapse in coverage.
Do I Need an SR-22?
Individuals convicted of violations resulting in a suspension are required by most state Department of Motor Vehicles to file proof of SR-22 insurance.
Some Reasons You Might Need SR-22 coverage:
- Driving Under the Influence (DUI)/Driving While Intoxicated DWI) Convictions
- Driving on a suspended license
- Reckless Driving
- Driving without insurance
- Multiple traffic infractions, such as speeding
Are there Different Types of
SR-22s?
There are differences depending on the driver circumstances. Whichever category you fall into will determine the type of auto insurance you need and the SR-22 filing.
Owner
If you're the driver and own the vehicle, you would fall into this category.
Non-Owner/Operator
Drivers who don't own the vehicle but still need to have auto insurance coverage (and SR-22 filing) are classified as non-owner.
Owner/Operator
A driver who operates commercial vehicles (typically as part of their job) is considered an operator and may need to submit an SR-22 filing.
Impact Your Rate
New To SR-22 Insurance?
Here is What to Expect
Although the length of time needed for an SR-22 varies by state, three years is the typical requirement length.
Contact your state department of motor vehicles for the exact length of time you'll need.
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We'll make sure you get every discount for which you qualify. Common car insurance discounts include:
- Multi-car
- Anti-theft
- Good student
- Defensive driving
- Homeowners
- And many more!
SR-22
Both SR-22 and FR-22 are a type of state filing that proves to the state that the driver has the legally required auto insurance coverage.
FR-22s are used in Florida and Virginia. Drivers required to file an FR-22 have higher liability limits to meet than the standard state minimums most other drivers are required to carry.
Our licensed insurance agents will discuss available options and discounts during your auto insurance quote.
SR-22 is not insurance. It is a state filing that certain drivers are required to submit. It proves to the state that the driver has met the state's minimum auto insurance requirements.
It is a certificate of financial responsibility that certain drivers are required to obtain and have filed on their behalf with their state.
The factors that made SR-22 a requirement for you will impact your auto insurance rate.
Requirements may vary by state. Generally, you may be asked to provide the following:
- SR-22 notice from your state
- SR-22 expiration date
- Suspension date
- Social Security Number
- Driver's license number
- Date of birth
We'd be happy to help you meet your state's auto insurance requirements and file your SR-22. Give one of our licensed agents a call at 1-844-358-5605 today to see what options may be available.
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