What Is an SR-22? Top 6 Things You Should Know

SR-22 image

The SR-22. Most people probably have a hazy idea of what it is. Maybe you’ve had a friend who needed one or you understand vaguely that it has to do with car insurance. But really, what is an SR-22? Is it something you get from the DMV or your car insurance company? Does everyone have to have one? Is it bigger than a breadbox?

It seems that, aside from a general sense of foreboding, most people don’t know much about SR-22s. And that’s fine. As long as you practice safe driving and don’t let your insurance lapse, you’ll never need one. But just in case, here are a few SR-22 insurance basics to help keep you in the know.

What’s an SR-22?

An SR-22 — also known as SR-22 insurance or Certificate of Financial Responsibility (CFR) — isn’t a type of car insurance, but verification that you’re maintaining car insurance liability coverage. An SR-22 form is a state-mandated certificate filed by your car insurance carrier with your state’s Department of Motor Vehicles (DMV).

Who needs an SR-22?

An SR-22 is required when someone who was in an accident or convicted of a traffic offense couldn’t show financial responsibility. For example, you’d need an SR-22 if you were caught driving without car insurance.

You might also need an SR-22 if you had any of the following:

  • A DUI or DWI or any serious moving violation
  • An at-fault accident while driving without insurance
  • Repeat traffic offenses or too many tickets in a short time period
  • A revoked or suspended license

What does an SR-22 cost?

Though it varies by state, car insurance companies will typically charge a nominal fee of $15 to $25 for filing an SR-22 form.

If you need an SR-22, however, you’ll first need to purchase a car insurance policy. Your car insurance rate will be determined based on all the factors that normally go into rating a policy. However, keep in mind that car insurance companies generally consider drivers who need an SR-22 riskier to insure, so your car insurance rates will likely reflect the risk.

We recommend shopping around, but remember, the cheapest SR-22 insurance quotes may not be the best. You should always consider the company’s service, financial responsibility, and reliability when making an insurance purchase of any kind.

How do I get an SR-22?

To obtain an SR-22, you’ll need to go through your car insurance provider. Only an insurance company that is filed with the state can issue SR-22s.

Additionally, if you have an SR-22 in one state but move to another, you’ll need to fulfill the SR-22 requirements for your former state, and your new liability limits will need to meet the minimums required by law in your former state.

Learn more about filing an SR-22 here.

How long does an SR-22 have to be maintained?

Most states require drivers to carry SR-22 insurance for 3 years. In that time, continuous coverage must be maintained. If there is an insurance lapse or cancellation, your car insurance company is legally obligated to notify the DMV and your license will be suspended.

How can I avoid an SR-22 requirement?

You can avoid the complication and expense involved with an SR-22 filing by simply maintaining your car insurance and practicing safe driving.

Here are a few useful reminders:

  • Don’t drink and drive. DUIs and DWIs are the most common reasons for needing to file an SR-22 certificate.
  • Drive safe. Not only can too many moving violations result in an SR-22, they can significantly increase your car insurance premiums.
  • Don’t drive without insurance. If you don’t have car insurance and you’re pulled over, you’ll be required to prove financial responsibility by way of an SR-22.

Bottom line: Drive carefully and stay insured and you’ll never need to know any more than this about the SR-22 (which, by the way, is smaller than a breadbox).

And if 6 facts about SR-22s just aren’t enough, find out what SR-22 actually stands for.

Related post

You have questions about SR-22s. We have answers.

140 Responses to “What Is an SR-22? Top 6 Things You Should Know”

  1. Avatar for Anne Le Tran
    December 31, 2015 #

    Man great answers endurance just call us. Smh… These are ? I didn't see one answer

  2. Avatar for Anne Le Tran
    Glady Stevens
    March 7, 2016 #

    Does Massachusetts require SR 22's after first DUI?

    • Avatar for Anne Le Tran
      Rachael Heller
      March 9, 2016 #

      Hello Glady,

      Every state has different rules on this type of situation. We suggest speaking to your local DMV.

      Thanks for reading.

  3. Avatar for Anne Le Tran
    Mary hallcy
    March 8, 2016 #

    I need sr22 Insurance,how much will it cost me my phone# is 817 987 7361.You may call anytime.

    • Avatar for Anne Le Tran
      Rachael Heller
      March 15, 2016 #

      Hello Mary,

      You may start your quote online at http://www.esurance.com or by calling us directly at 1-800-378-7262.

      Thanks for reading.

  4. Avatar for Anne Le Tran
    April 15, 2016 #

    So my licence are suspended so I would need a SR22, then I will be allowed to drive?

    • Avatar for Anne Le Tran
      Rachael Heller
      April 18, 2016 #

      Hello Ataymian,

      Every state has different rules for these situations. We suggest speaking to your local DMV office directly.

      Thanks for reading.

  5. Avatar for Anne Le Tran
    April 15, 2016 #

    There suspended due numerous amount of unpaid tickets, so does it work for being able to drive until while I work on getting them paid

  6. Avatar for Anne Le Tran
    May 16, 2016 #

    My bf has sr22 and my jeep is insured under his name temporarily cause we just bought the vehicle right before I got My licence …. I just had an accident rearending someone not my fault leaving nothing but a scratch. How will that effect his insurance?

    • Avatar for Anne Le Tran
      Sara Border
      July 1, 2016 #

      Hi there,

      Anytime you have a claim, it can impact your rates. However, if you’re found not at fault or at fault, that would be the main factor to consider in a covered loss. You would want to contact the insurance company directly for more specific details to their concerns.

      Thanks for reading.

  7. Avatar for Anne Le Tran
    May 19, 2016 #

    Hi, I have a license in another state. That state sent me a letter saying the State of NV has revoked my drivers license and I must contact them or my current license in my current state will be canceled. WTF? So I email them since I couldn't get through. I was told I didn't maintain insurance on my vehicle, which I don't have any longer so my DL has been suspended and revoked which I don't have and was set to expire the first of May of 2016 anyway. So, since I don't live in NV, I still must purchase insurance for a car I don't have for 3 years, pay 76 dollars for license I don't want, just to drive in my current state? Is this legal? And I have to appear in person at the DMV in NV. Nothing is making sense.

    • Avatar for Anne Le Tran
      Sara Border
      July 1, 2016 #

      Hi Christopher,

      In some situations, the states may require you to turn in your tags. There may also be requirements for an SR-22. To be sure, you would want to speak to the DMV directly. You may be able to purchase a non-owners policy to address the concerns of the other DMV.

      Thank you for reading.

  8. Avatar for Anne Le Tran
    June 1, 2016 #

    I have a question! My insurance is progressive insurance, I was involved in a accident in July of last year and i am being sued now. I had a policy and they were also filing an SR22 with the state of ohio. I thought I just had an SR22 bond but I actually had a policy of 50,000/100,000 coverage. I also received a DUI but I plead no contest so that will not play a factor in the civil case BUT my insurance company is saying I will have to pay them back anything that they have to pay out. Is this true? I have never heard such a thing. I have even asked a lawyer and they said the same thing. Anyone have a clue if this is true?

    • Avatar for Anne Le Tran
      Sara Border
      July 1, 2016 #

      Hi there,

      If your limits of liability have been exceeded you may be held legally responsible for the amounts beyond your coverage limits. Your best options would be to ask your claims adjuster for more details and paperwork on the situation.

      Thank you for reading.

  9. Avatar for Anne Le Tran
    June 14, 2016 #

    You cant buy a car unless you have insurance and you cant get insurance unless you have a car. This is what im getting in mn. I need a sr22 help any tips were to get it with just a down payment?

    • Avatar for Anne Le Tran
      Sara Border
      July 1, 2016 #

      Hi Andrea,

      You can generally purchase a policy online at http://www.esurance.com or by calling us directly at 1-800-378-7262, while you’re at the dealership and show proof of coverage right away. Let us know if we can help!

      Thanks for reading.


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