SR-22 insurance, explained
An SR-22 isn't a type of insurance — it's a form. Here's what it means for your rates and how to handle it.
Despite the name, 'SR-22 insurance' isn't a kind of insurance at all. An SR-22 is a form your insurer files with the state to prove you carry at least the required liability coverage — usually after a serious violation.
When you need one
A court or your state's DMV typically requires an SR-22 after events like a DUI/DWI, driving without insurance, an at-fault accident while uninsured, or multiple serious violations. You'll usually have to maintain it for a set period (often around three years).
How to get one
- Ask your insurer to file an SR-22 on your behalf (not all carriers do).
- Pay the small filing fee.
- Keep continuous coverage — a lapse can restart the clock and re-suspend your license.
What it costs
The SR-22 filing fee itself is small, but the underlying reason (a DUI or major violation) usually raises your premium significantly. The good news: shopping carriers matters even more here, since some insurers specialize in high-risk drivers and price far better than others.
Frequently asked questions
It's not insurance — it's a certificate your insurer files with the state proving you carry the required liability coverage, typically required after a serious violation like a DUI or driving uninsured.
It varies by state and offense, but it's commonly required for about three years. You must keep continuous coverage the whole time — a lapse can restart the requirement.
The filing fee is small, but the violation behind it usually increases your premium. Comparing carriers that specialize in high-risk drivers can save you a lot.
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