An SR-22 is not a type of insurance. It is a certificate your insurance company files with your state to prove you carry at least the required auto liability coverage.
Who needs an SR-22?
States may require an SR-22 after events such as a DUI or DWI, driving without insurance, serious or repeated violations, or a license suspension. The court or your state's motor vehicle agency will tell you if you need one.
How long do you need it?
Many states require an SR-22 for about three years, but the period varies by state and situation. If your policy lapses during that time, the insurer must notify the state, which can lead to another suspension.
How to get one
Tell your agent you need an SR-22. Not every insurer offers SR-22 filings, so an agent who works with these filings can help you find options. Some states use a similar form called an FR-44.
Tips
- Keep your policy active for the entire required period.
- Ask whether a non-owner policy fits if you do not own a car.
- Confirm the filing was received by your state.
This guide is for general information only and is not insurance or legal advice. Coverage, requirements and availability vary by state and insurer.