SR-22 Insurance Requirements: Complete Guide (2025)

Quick Answer: What Is SR-22 Insurance?

SR-22 is not actually insurance—it's a certificate proving you carry state-required minimum liability coverage. Your insurance company files this form with your state's DMV to verify you're insured after certain violations. Think of it as proof of financial responsibility.

---

SR-22 Requirements at a Glance

---

When Is SR-22 Required?

Common Reasons for SR-22 Requirements

State-Specific Triggers

Virginia and Florida use FR-44 instead of SR-22 for DUI offenses—requiring higher coverage limits.

Three states don't use SR-22:

• Delaware
• Minnesota
• New Mexico

These states use alternative financial responsibility verification methods.

---

How SR-22 Works

Step 1: Get the Requirement

After certain violations, your state's DMV sends a letter requiring you to file an SR-22 before reinstating your license.

Step 2: Contact Your Insurer

Ask your current insurer to file an SR-22. Not all companies offer SR-22 filings—if yours doesn't, you'll need a new policy.

Step 3: Insurer Files the Form

Your insurance company files the SR-22 electronically with your state. This typically takes 1-3 business days.

Step 4: Maintain Continuous Coverage

You must maintain uninterrupted coverage for the entire filing period (usually 3 years). Any lapse restarts the clock.

Step 5: SR-22 Expires

After completing the filing period, you can request removal. Your state notifies you when it's no longer required.

---

SR-22 Filing Periods by State

Note: Some violations may require longer periods. Always verify with your state's DMV.

---

Types of SR-22 Certificates

Operator's Certificate (Most Common)

• Covers you when driving any vehicle
• Required if you don't own a car but need to drive
• Also called "non-owner SR-22"

Owner's Certificate

• Covers vehicles you own and register
• The standard SR-22 for most drivers

Owner-Operator Certificate

• Covers both owned vehicles and any vehicle you drive
• Most comprehensive coverage

---

How Much Does SR-22 Cost?

SR-22 Filing Fee

Insurance Premium Increases

The filing fee is minimal—the real cost is higher insurance premiums:

Example: If your premium was $1,200/year, a DUI with SR-22 could raise it to $2,200-$2,400/year.

Total Cost Over Filing Period

---

What Happens If SR-22 Coverage Lapses?

Immediate Consequences

1. Insurer notifies state — Insurance companies must report cancellations within 15-30 days
2. License suspension — Your state suspends your license again
3. Clock restarts — The filing period starts over from day one
4. Additional penalties — Fines, fees, and potentially longer filing requirements

Avoiding Lapses

• Set up automatic payments
• Pay premiums before due date (not on due date)
• Never cancel old policy until new SR-22 is filed
• Keep buffer time when switching insurers

---

How to Get SR-22 Insurance

1. Check If Your Current Insurer Files SR-22

Many standard insurers (State Farm, GEICO, Progressive, Allstate) offer SR-22 filings.

2. If Not, Find a New Insurer

Some companies specialize in high-risk drivers:

• The General
• Dairyland
• Bristol West
• Acceptance Insurance

3. Request the SR-22 Filing

Provide:

• Your driver's license number
• The state requiring SR-22
• The reason for requirement (DUI, uninsured, etc.)

4. Pay the Filing Fee

Typically $15-$50 one-time fee.

5. Confirm Filing

Get written confirmation the SR-22 was submitted. Don't drive until confirmed.

---

SR-22 vs. FR-44 (Florida & Virginia)

Virginia and Florida require FR-44 instead of SR-22 for DUI/DWI convictions:

FR-44 costs significantly more due to the higher coverage requirements.

---

Non-Owner SR-22

If you don't own a vehicle but need to reinstate your license:

When You Need It

• License suspended but you don't own a car
• Need to drive borrowed vehicles or rentals
• Applying for license reinstatement

What It Covers

• Liability coverage when driving any vehicle
• Does NOT cover any vehicle you own or regularly use

Cost

Non-owner SR-22 policies are typically cheaper: $300-$600/year.

---

FAQ

How long do I need SR-22 insurance?

Most states require 3 years of continuous SR-22 coverage. Some violations require longer periods. The clock restarts if your coverage lapses for any reason.

Will SR-22 show on my driving record?

The SR-22 itself doesn't appear on your driving record, but the underlying violation (DUI, driving uninsured, etc.) does. Insurers will see both when checking your record.

Can I get SR-22 with a suspended license?

Yes—in fact, you typically need to file SR-22 to get your license reinstated. Many people file SR-22 while their license is still suspended.

Does SR-22 follow me if I move to another state?

Yes. If you move, you must maintain SR-22 in your new state until the original filing period ends. Some states have reciprocity agreements; others require a new filing.

Can I remove SR-22 early?

Generally no. You must complete the entire filing period. Early removal results in license suspension. Only the state can authorize early termination (rare).

What if I can't afford SR-22 insurance?

Options include:

• Non-owner SR-22 (if you don't own a car)
• High-risk insurers with payment plans
• State-sponsored programs (some states)
• Improving your driving record for better rates

Do all insurance companies offer SR-22?

No. Some insurers don't write high-risk policies. If your current company doesn't offer SR-22, you'll need to find one that does. This may mean higher premiums.

---

Important Disclaimer

This guide provides general information about SR-22 requirements based on publicly available sources. This is not legal advice. SR-22 requirements vary by state and individual circumstances. Always verify current requirements with your state's DMV and consult with a licensed insurance professional for advice specific to your situation.

Last verified: December 2025
Sources: State DMV offices, Insurance Information Institute