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Car Insurance Learning Center  Learning Center  Auto Insurance Questions & Answers   Questions & Answers  Professional Answers   Auto Insurance Answers

What is an SR-22?

An SR-22 is a document required as proof of financial responsibility by the court or under state law for persons convicted of certain traffic violations. (Have more questions about SR-22 and car insurance? See "SR-22: The questions drivers ask most.")

Definition of an SR-22 from the Car Insurance Learning Center: SR-22 is a form which must be filed by the insurance company stating that auto liability insurance is in effect for a particular individual. Required when insurance is provided to an individual who was in an accident or was convicted of a traffic offense and was unable to show financial responsibility. Each state has different variations of this form and requirements.

Click on this link to obtain an SR-22 quote from CarInsurance.com by entering your zip code and some basic information (SR22 is only available in certain states).

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Comment Update: SR-22s are state specific and the requirements in one state may not apply in another state. You can expect an SR-22 or financial responsibility in every state except for these exceptions.

Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania don't require SR-22s, but if you have an SR-22 and then move to one of these states, you must continue to meet the requirements of the SR-22 state where the offense was committed.

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New York and North Carolina don't require SR-22 filings, and most companies don't offer out-of-state SR-22 filings for policies in these states.

If you currently carry an SR-22 in one state but move to another state, you must fulfill the SR-22 filing period for your former state, even though you no longer reside there. Also, your insurance policy for your new state must have liability limits which meet the minimums required by law in your former (SR-22) state.

Comment Followup: You can only get an SR-22 form from an insurance company that is filed with the state to issue SR-22s.

Please read our related questions to help with your comments.

We do not know of any state that requires the SR-22 form to be held in the vehicle while driving. Most states list SR-22 status on your driving record, so law enforcement can look and see if you have it. Typically, it is the state motor vehicle department enforcing the requirement, not the police.

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Visitor Comments
How does a SR-22 effect a person who carries a certified bus driver?
Comment added: 07:15 PM Jan-25
How many years do you carry a SR-22 in Arizona?
Comment added: 07:14 PM Jan-25
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.
Comment added: 10:09 AM Jan-24
It said get SR-22 insurance for at this site and I haven't found it yet.
Comment added: 10:46 AM Dec-23
What does SR mean?
Comment added: 07:57 PM Nov-18
I asked, you answered;)
Comment added: 12:39 AM Jul-02
It was easy to understand and quick to answer the question.
Comment added: 06:19 PM Dec-30
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.
Comment added: 12:14 PM Dec-30
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!!
Comment added: 03:57 PM Jul-10
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?
Comment added: 06:08 AM Apr-09
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.
Comment added: 04:05 PM Mar-12
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.
Comment added: 12:15 PM Feb-13
i DONT HAVE A CAR AND I CANT FIND A QUOTE FOR AN SR22
Comment added: 01:13 PM Sep-17
where is the form how do i get it
Comment added: 10:50 AM Apr-28
I have called the dept of motor vehicles and no one could tell me the difference between SR-22 and SR-22A.
Comment added: 10:31 AM Jan-09
it was not all inclusive i.e. telling one where one may get a form other than an insurance co.
Comment added: 11:55 PM Nov-09
it answered all of my questions about sr-22.
Comment added: 11:14 PM Sep-27
Ive been trying to find out how long it is required after a DUI, in VA, must one keep a SR-22. Here it is, 5 years later and he has still been paying the SR-22, even though it is no longer needed. (va requires 3 years!!) thanks to this site I can have him call and get all this straightened out. and save some $$$$$. Thank God he has learned a lesson.
Comment added: 07:29 PM Jul-13
Please give more: list states that require this form
Comment added: 10:42 AM Nov-23
Question Details
This car insurance answer was last updated 6:52 PM Feb-13.
This Your License question was asked 12:25 PM April-18-2005.

staci requested this car insurance help from CarInsurance.com experts.

Rated 7.16 out of 10 based on 45 votes.
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