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:
- New Mexico
- New York
- North Carolina
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 ourif you believe you are not considered a high-risk driver.