What Is an SR-22? A Complete Guide for Drivers

If you’ve been notified that you need an SR-22, you’re not alone—many drivers find this requirement confusing at first. The good news is that an SR-22 is not as complicated as it sounds. In this guide, we’ll explain what an SR-22 is, why you might need one, how to get it, and how long it typically lasts. Understanding these details can help you get back on the road legally and with confidence.

What Is an SR-22?

An SR-22 is not insurance. It’s a certificate of financial responsibility that your insurance company files with your state to prove that you carry the minimum required auto liability coverage.

In short, an SR-22 is proof for the state that you are insured.

Why Would You Need an SR-22?

States usually require an SR-22 after certain driving violations. Common reasons include:

• DUI/DWI convictions

• Driving without insurance

• Serious or repeated traffic violations

• Suspended or revoked driver’s license

• At-fault accidents while uninsured

• Failure to pay court-ordered child support(in some states)

If the state mandates an SR-22, you must file it before your license can be reinstated.

How Do You Get an SR-22?

Getting an SR-22 is simple:

1. Contact your insurance provider.
   Not all insurers offer SR-22 filings, so you may need a company that specializes in high-risk auto insurance.

2. Your insurer files the SR-22 with the state.
   You cannot file the form yourself; it must come from an insurance company.

3. Pay the filing fee.
   Filing fees are typically between $15 and $50, depending on your state.

4. Wait for state approval.
   Once filed, your insurer notifies the DMV so your driving privileges can be reinstated.

How Long Do You Need to Maintain an SR-22?

In most states, an SR-22 is required for three years, though the duration may vary depending on the violation and state laws. Be sure to avoid any lapse in coverage—if your policy cancels, your SR-22 period may restart.

 

Does an SR-22 Increase Insurance Rates?

Often, yes. Because an SR-22 usually follows a major violation, insurance companies may see you as a higher-risk driver. Still, shopping around or working with an agency that specializes in SR-22 insurance can help you find affordable options.

Types of SR-22 Forms

• Owner SR-22: For drivers who own a vehicle.

• Non-Owner SR-22: For drivers who don’t own a car but need coverage to reinstate a license.

• Owner/Operator SR-22: Covers both scenarios.

Your insurance agent can help determine which type you need.

 

What If Your State Doesn’t Use SR-22s?

Some states don’t require SR-22 certificates. However, if the requirement stems from a state that does, you must still comply—even if you move.

Need Insurance With Only a Permit? Michaels Insurance Group Can Help

Whether you need an SR-22 or insurance with just a learner’s permit, our team can help you find the right policy at the right price.

Get a FREE quote today:

📞 (631) 629-2233
📞 (386) 274-8150

We make the process quick, simple, and stress-free—so you can get back on the road with confidence.