Understand SR-22 insurance, clearly
An SR-22 is a certificate of financial responsibility — not a separate policy. Here's what that means for you.
What an SR-22 actually is
An SR-22 is generally a certificate of financial responsibility that an insurance company files with the state to show that you meet applicable insurance requirements. It is not a separate insurance policy.
Think of it as a form your insurer files on your behalf — it confirms to the state that you carry the insurance you're required to carry. Requirements vary by state and individual circumstances.
Common reasons an SR-22 may be required
- A DUI or DWI conviction
- Driving without insurance coverage
- Serious or repeated traffic violations
- A suspended or revoked license
- At-fault accidents while uninsured
Requirements differ by state. The specifics of your situation determine what's needed.
How the SR-22 filing works
A simple look at the steps from start to finish.
Get an active policy
You obtain an auto insurance policy that meets your state's requirements.
Insurer files the SR-22
Your insurance company files the SR-22 form with the state on your behalf.
Maintain coverage
You keep continuous coverage for the required period — often around three years.