An SR-22 is required for drivers who have been deemed high-risk by the state — typically after a DUI, reckless driving conviction, too many violations, or a period of driving without insurance. Despite the name, it is not actually an insurance policy.
What Is an SR-22?
An SR-22 is a certificate of financial responsibility — a document your insurer files with your state’s DMV to prove you carry at least the minimum required insurance. Think of it as a guarantee from your insurer to the state that you are covered.
Who Needs an SR-22?
- DUI or DWI conviction
- Reckless or negligent driving conviction
- Multiple traffic violations in a short period
- Driving without insurance or with a suspended license
- Being at fault in an accident without insurance
- Accumulating too many points on your driving record
How to Get an SR-22
- Contact your current insurer — not all companies file SR-22s
- If your insurer does not file SR-22s, shop for a specialist (Progressive and The General commonly handle SR-22 cases)
- Pay the filing fee, typically $25–$50 one-time
- Your insurer files the form electronically with your state DMV
- Maintain continuous coverage for the required period — usually 3 years
If you do not own a car but still need to maintain your license, a non-owner SR-22 policy provides liability coverage when you borrow or rent vehicles — at a much lower cost than a standard policy.
SR-22 Cost Impact
Requiring an SR-22 signals high risk to insurers, so your premium will increase significantly. The average SR-22 driver pays 67% more than a standard driver. Rates do improve over time — typically around the 2-year mark — so shop around annually to capture savings as your record improves.
Frequently Asked Questions
How long do I need to keep an SR-22?
Most states require SR-22 for 3 years, though this varies. Your state DMV will specify the exact duration when they notify you of the requirement.
What happens if my SR-22 policy lapses?
If your policy lapses, your insurer must notify the DMV, which will typically result in your license being suspended again. The SR-22 period may also restart from the beginning.