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Q

My daughter had a DUI 2 years ago and had to get an SR-22. What is an SR22 and what does it cover? Will this effect her financing on a new car?


A

Definition of an SR-22 from the Car Insurance Term page:

SR-22 - 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. The SR-22 requirement should not directly affect the ability to obtain financing. Financing is unrelated to the necessity or obligation of the financial responsibility laws of a state.

We have many related questions to help you better understand an SR-22. 

Comment Update: You ask how much it costs. Typically, it is an additional $15 to $25 filing fee. Because you have to purchase coverage levels that are required by the financial responsibility laws of the state, you may see an increase cost over what you are used to paying. This is because you are purchasing more coverage than what you previously had.

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8 Responses to "My daughter had a DUI 2 years ago and had to get an SR-22. What is an SR22 and what does it cover? Will this effect her financing on a new car?"
  1. Anonymous

    How do you get an sr22 when you dont own a vehicle

      Reply»  
  2. Anonymous

    just beacause i dont understand anything regarding sr-22 ins. how can i verify 100% that i even have to have that lable

      Reply»  
  3. Anonymous

    it was the raddest

      Reply»  
  4. Anonymous

    Your answer was concise, to the point, and very easy to understand. Thanks again.

      Reply»  
  5. Anonymous

    After the DUI offense how long the SR22 insurance have to be active, is sr22 insurance a permament insurance?

      Reply»  
  6. Anonymous

    IT WILL NOT AFFECT HER FINANCING OF A AUTO. IT WILL AFFECT THE AMOUNT SHE WILL PAY ON A NEW AUTO INSURANCE POLICY. THE DUI WILL AFFECT HER INSURANCE RATE FOR A MINIMUM OF THREE YEARS AND UP TO 10 DEPENDING ON THE STATE. SR 22 TELLS THE DMV SHE IS FINANCIALLY RESP0NSIBLE. USUALLY THE SR 22 CHARGE IS INCLUDED WITH YOUR INSURANCE POLICY WITH NO EXTRA CHARGE. -- SANTA CLARA CA.

      Reply»  
  7. Anonymous

    how much does a sr-22 cost

      Reply»  
  8. Anonymous

    I felt the answer got to the point but should have given more details because this person had no clue what an SR22 is

      Reply»