An SR-22 is a document that shows proof of financial responsibility. You will need an SR-22 if the police caught you driving without insurance, and you will be required to carry the SR-22 for a specified amount of time (usually three years).

SR-22s also are associated with the following offenses in many states:

• DUI or DWI or any serious moving violation
• At-fault accidents while driving without insurance
• Repeat traffic offenses or getting too many tickets in a short time period
• License suspension or revoked license

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 do not 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.

New York and North Carolina do not require SR-22 filings, and most companies do not 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.

Example: If you have an Alaska SR-22, where minimum liability limits are 50/100/25, and you move to California, a state with 15/30/5 liability limits, you'll need to carry Alaska's minimum limits of 50/100/25 on your California policy and continue your SR-22 filing with Alaska until the filing period ends.

So with the exceptions stated above all other states require a SR-22 or similar financial responsibility certificate for various reasons. To find out about a specific state and their financial responsibility laws or rules regarding a SR-22 we would suggest to contact that state’s Department of Motor Vehicles or insurance regulatory body.

Click on this link to obtain an SR-22 quote from CarInsurance.com by entering your zip code and some basic information.

We are unable to offer SR-22 insurance for all situations.