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Q

What is an SR-22?


A

A SR-22 is a form, not an actual type of insurance that can be required as proof of financial responsibility by a court or under state law for various reasons, such as after a conviction of certain traffic violations or to reinstate your license after a suspension or revocation. (See "SR-22: The questions drivers ask most")

The SR-22 document must be filed with the state as certificate of financial responsibility to verify that you have the insurance coverages and limits that you have been mandated to carry. A copy of the form is sent for you by your auto insurer to keep as proof of the SR-22 if you are asked for it, but most states have it stored electronically in their records so that law enforcement or the Department of Motor Vehicles can look it up if needed.

In order to obtain a SR-22, you must go through an auto insurance company that offers the filing (not all do) and obtain a policy with at least the minimum limits that the state notified to carry. Once you have the SR-22 filed, you’ll need to maintain the related insurance coverage for the state-mandated period of time. The time period varies, but most commonly it’s for three years.

Not every state makes use of the SR-22 (or related FR-44) certificate of financial responsibility. Of the states that do use it (or the FR-44), each has their own variation of the form and insurance requirements, so what is done in one state may not apply in another.

The SR-22 is not used in:

  • Delaware
  • Kentucky
  • Minnesota
  • New Mexico
  • New York
  • North Carolina
  • Oklahoma
  • Pennsylvania

If you currently carry an SR-22 in one state but move to another state, normally you still must continue to meet the requirements of the SR-22 state where the offense was committed, and you’ll need to look for an out-of-state SR-22 filing from a nationwide auto insurance carrier, such as Progressive or Geico. This is true even if you move to one of the states above that don’t use the SR-22 form.

The exceptions to this are New York and North Carolina because car insurance companies don't offer out-of-state SR-22 filings for these two states. In this situation, your car insurance company will normally need to provide the requesting state with documentation to prove that your policy meets or exceeds the insurance limits the other state is mandating you to carry in lieu of filing a SR-22.

If you are shopping for car insurance and need to file an SR-22 with the state be sure to tell any insurance company you get quotes with so you can verify they do offer this SR-22 filing service.

Currently the best way to obtain a SR-22 filing is by contacting our call center toll-free at 1-855-430-7753. Our agents will help you obtain a quote for the coverage you need. We work with Direct General, Esurance, Infinity, Progressive and QBE to help fulfill your SR-22 needs. Not all insurance companies do business in all states, though.

Most companies can provide immediate proof of insurance via e-mail or fax. Processing of SR-22 requests depends mostly on whether your state accepts filings electronically.

This type of policy is typically deemed to be high-risk, so there may be limitations compared with a standard personal auto insurance policy. You should consider our standard car insurance quote request procedure if you believe you are not considered a high-risk driver.



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23 Responses to "What is an SR-22?"
  1. Shiv Kumar Sharma

    Exact information about SR-22, I was looking for. Great!!

      Reply»  
  2. kevin

    I need to get SR-22 coverage for my state to let me get my license back, but I haven't owned a car for 10 years and don't plan on owning one for a few more years. How do I get an insurance quote without a car?

      Reply»  
  3. Visitor

    Very helpful and informative. Thanks.

      Reply»  
  4. Visitor

    Very informative. Thanks!

      Reply»  
  5. Visitor

    How does a SR-22 effect a person who carries a certified bus driver?

      Reply»  
  6. Visitor

    How many years do you carry a SR-22 in Arizona?

      Reply»  
  7. Visitor

    I have SR-22 insurance from Dairyland Auto Insurance. I've carried it for 2 year and a month and still must remain on SR-22 until January of 2013.

      Reply»  
  8. Visitor

    It said get SR-22 insurance for at this site and I haven't found it yet.

      Reply»  
  9. Visitor

    What does SR mean?

      Reply»  
  10. Anonymous

    I asked, you answered;)

      Reply»  
  11. Anonymous

    It was easy to understand and quick to answer the question.

      Reply»  
  12. Anonymous

    By having this SR22 what is the extra insurance covers? What is the purpose of buying this insurance then reguler insurance it seem to be more expense.

      Reply»  
  13. Anonymous

    Please list where we can find the length of time an SR-22 has to be carried in EACH STATE. I live in OH and can't seem to find that info. Thanks, PS i DID however, think your site was very helpful Thanks!!

      Reply»  
  14. Anonymous

    Need more specific information. For instance, if the registration has lapsed on my car, and the DMV says I need proof of insurance to get the registration renewed, is it necessary to file a SR-22, or is some other proof of insurance needed? If so, what?

      Reply»  
  15. Anonymous

    My daughter lost her license and went to get a replacement license. They told her her license had been suspended because she didn't keep up her sr22 for an offense she had a couple years back. Once a SR22 is required, how long must you keep it up? She now has to pay ANOTHER fine to have her license re-instated.

      Reply»  
  16. Anonymous

    It was good, but I need to know if it is necessary to carry the SR-22 doc in the car at all times, like a normal ins doc.

      Reply»  
  17. Anonymous

    i DONT HAVE A CAR AND I CANT FIND A QUOTE FOR AN SR22

      Reply»  
  18. Anonymous

    where is the form how do i get it

      Reply»  
  19. Anonymous

    I have called the dept of motor vehicles and no one could tell me the difference between SR-22 and SR-22A.

      Reply»  
  20. Anonymous

    it was not all inclusive i.e. telling one where one may get a form other than an insurance co.

      Reply»  
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