SR-22 Insurance F.A.Q.

What is an SR-22?

SR-22 (SR stands for safety responsibility) is a document that verifies that someone has automobile insurance. The SR-22 is prepared by an insurance company and then filed (by the insurance company) with the department of motor vehicles (DMV). The SR-22 is not an insurance policy. It is evidence that you have a policy.

Most states will require you to show future financial responsibility by having SR-22 insurance. The form shows the state that you have minimum liability limits for auto insurance. It is most often required after you get cited for driving without insurance, DUI or other major traffic violations.
Back to Top

When do you need SR-22Insurance

Usually, an SR-22 is required when a driver seeks to reinstate their driver’s license after being convicted of:

  • Driving with under the influence DUI, DWI, DWAI
  • At fault in an accident while driving without insurance
  • Multiple traffic offenses specific to your state
  • Most any suspension related to a traffic violation.

The SR-22 may be required whether you own a vehicle (owner SR-22) or not (non-owner SR-22). The SR-22 is usually required for a set number of years based on the violation. For example, being convicted of a DUI requires five years of SR-22 insurance. If the policy holder fails to pay the premiums, the SR-22 is cancelled. This triggers an SR-26 to be filed with the DMV. When the DMV receives the SR-26, the policy holder’s license is suspended until a new SR-22 is filed.
Back to Top

How much does SR-22 insurance cost?

The cost to add an SR-22 filing to your auto insurance is usually $25 to $50. This is only the cost to file the form with the state. Your largest cost associated with the SR-22 is the underlying citation such as a DUI. Most insurance companies increase your auto premium substantially in the event you are convicted of a DUI or other major violation. Be sure to get SR-22 quotes from multiple companies to compare prices.
Back to Top

Will the insurance company send me SR-22 form?

When you file for an SR-22 form with your insurance company they will electronically submit it to the state motor vehicle department. You will not receive a copy of the form but you will have your proof of insurance which will have the policy number and vehicle information on it.
Back to Top

Do I need to keep proof of SR-22 Insurance with me at all times in addition to my regular policy?

No, you do not need to keep a physical copy of your SR-22 insurance, only the regular insurance you are already required to carry. If you are pulled over for a traffic violation the officer will know you have an SR-22 filing on your insurance by looking at the filing online. There is no need for you to have a copy of the SR-22 form.
Back to Top

Do I need an SR-22 for each vehicle I own?

When you file an SR-22 with most states they only care that you have proper liability coverage. When you add an SR-22 filing it is usually added to one vehicle only but this shows you have liability protection in that state for the required limits. For example you could have a motorcycle or second vehicle insured with another carrier that does not have the SR-22 and that is acceptable.
Back to Top

Can I have SR-22 insurance on a motorcycle?

If you own a motorcycle and need SR-22 insurance you can file the SR-22 form on that bike. Motorcycle insurance offers drivers the ability to own a bike and still have liability insurance which is required to file form SR-22.
Back to Top

Can I get an SR-22 if I don’t own a car?

Yes, you can get SR-22 insurance if you don’t own a car. Many people don’t own a car but are required to show financial responsibility to the state. Ask your insurance company for a non-owner SR-22 insurance policy that has an SR-22 included. This type of policy will provide you with the required liability coverage and is not tied to any one vehicle but any vehicle you drive.
Back to Top

What if I move to another state during my suspension?

If you are required to have an SR-22 filed with your current residence state and you move you must continue to file with your previous state. Be sure to inform you insurance company of the new address but make sure that SR-22 does not cancel. Not every state requires an SR-22 filing so ask your insurance agent or company for details.
Back to Top

Can I switch insurance companies when I have an SR-22?

Yes you can switch insurance companies during your required suspension period. If you find a lower rate at a different insurance company just make sure there is no lapse of coverage and the new company has all the SR-22 filing information.
Back to Top

Is SR-22 insurance valid in multiple states?

No, SR-22 insurance is specific to the state which the violation occurred. If you plan to move to another state while your current state still requires the SR-22 filing do not cancel the policy until you have transferred your insurance to the new state. Some states don’t require SR-22 insurance but may have other requirements. Check with an insurance agent to see what the state requirements may be.
Back to Top

How long is the SR-22 valid?

In most states the SR-22 is required for three years but can be up to 5 years depending on your court required suspension period. The required time period will be stated on your suspension paperwork.
Back to Top

When can I cancel my SR-22?

Most SR-22 filings are required for three years after the last day of your suspension period. It can vary from state to state and case to case but that is the most common. Be sure to check the letter you received from the state motor vehicle department regarding your suspension requirements. In this letter it will state how long you need to carry the SR-22, if you have questions you should contact your state motor vehicle department. Don’t cancel the SR-22 policy until you know for sure the required time period or they will suspend your license again!

Back to Top