What is an SR-22?

Most states will require you to show future financial responsibility by having SR 22 insurance. SR 22 insurance can be purchased by a licensed insurance company in your state. 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.

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.

Who needs an SR-22?

If you have been arrested or convicted to one of the following you may be required to carry an SR-22:

  • 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

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There are six states – Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania – do not require SR 22 insurance. If a driver is required to carry SR 22 and he or she moves to one of these six states, they must still continue to meet the requirements legally mandated by their former state in which the SR 22 was required.

Common SR 22 Questions and Answers

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!

Will the insurance company send me SR 22 form?

What is the difference between FR-44 insurance and SR 22 insurance?

Currently there are only two states that require FR-44 insurance filings, Florida and Virginia. The FR-44 is a proof of insurance certificate that requires the driver to have higher liability limits on the auto insurance policy due to a DUI. Driving under the influence in one of these states will result in much higher car insurance premiums and a three year period of filing an FR-44 form. The cost of the filing is only $25-$50 but having the DUI on your driving record will cause the premiums to increase dramatically.

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Our licensed SR 22 Insurance Specialist are here to answer all your questions and take your application over the phone.

Call us at (855) 438-7353

Broad Form SR 22 Insurance

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If you prefer to speak to one of our Select Insurance Agents to get a free quote and buy an SR 22 insurance policy please Call us at (855) 438-7353.