SR 22 Insurance State Guide

If you’ve had a DUI or other serious traffic violation, you may need an SR 22 insurance form to keep your driver’s license or get it back after it has been revoked.

When shopping for car insurance after filing an SR-22, it is essential to know the rules for SR 22 insurance in your state. Knowing SR 22 law variations will help you prove you are driving with the legal levels of coverage.

SR 22 Laws and How They Vary by State

An SR-22, also called SR 22 insurance or a certificate of financial responsibility, is an official document proving you’ve purchased the minimum liability insurance required in your state.

While not an insurance policy per se, an SR 22 form assures your state’s insurance or motor vehicle department that you will maintain coverage for a certain period.

Many states require drivers to file an SR 22 insurance form with their proof of insurance after driving under the influence, driving recklessly or receiving multiple traffic violations related to car insurance or serious moving violations. Filing an SR 22 with the appropriate state agency will prove you are operating your vehicle with the legal amount of car insurance coverage.

An SR 22 auto insurance form shows the state you can responsibly carry insurance on your vehicle at or above the state-required minimum levels.


New Hampshire
New Jersey
New Mexico
North Carolina
North Dakota
Rhode Island

Why It’s Important to Understand SR 22 State Requirements

If you are required to have SR 22 car insurance from the state in which you drive, it is crucial to understand the state minimum requirements for car insurance coverage. An SR 22 will ensure your driver’s license will not be suspended or revoked.

Who Needs an SR-22?

You may be required to have an SR 22 if:

  • Your driver’s license has been suspended.
  • You have not paid court-ordered child support.
  • You have driven without insurance and caused an accident.
  • You’ve been convicted of a DWI, DUI or another serious moving violation.
  • You’ve received a significant number of traffic tickets in a short time.

You may be ordered to file a similar form called an FR-44 for certain convictions in Virginia and Florida. This form requires a higher level of liability coverage than the state’s minimum.

Not all states require an FR-44 or SR-22. You’ll find out from your traffic court or state Department of Motor Vehicles if you need one.

Let Select Insurance Group Help You Comply With State Laws

With multiple offices nationwide and access to numerous top-rated insurance carriers in 47 U.S. states, Select Insurance Group can help you prove financial responsibility with SR 22 insurance.

We are committed to working with companies providing budget-sensitive payment structures and low down payment options to all policyholders. Our extensive network of friendly agents provides highly personalized answers to your questions and strives to offer affordable insurance options to all.

As a trusted SR 22 insurance agency, we can gather SR 22 insurance quotes in your state and help you get all the necessary forms for compliance.

Contact a Select Insurance Group licensed agent today for assistance.

Is it possible to get SR 22 certification for a commercial vehicle in my state?

It depends on the state, some states require SR 22 certification for commercial vehicles while some states don’t. It is best to check with your state’s department of motor vehicles or insurance commissioner for more information.

Can I get liability coverage with SR 22 certification in my state?

Yes, you can get liability coverage with SR 22 certification in your state. Liability coverage will provide protection in the event that you are found to be at fault in an accident.

Will my insurance rates go up after getting SR 22 certification in my state?

Yes, your insurance rates may go up after getting SR 22 certification in your state. This is because SR 22 certification is typically required for individuals with a history of driving violations.