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SR-22 Insurance: A Guide (With Quotes, 2022) - Insurify

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Jennifer Pendell

By: Jennifer Pendell

Edited by Jackie Cohen | Reviewed by licensed insurance agent, Amber Benka

Last Updated June 15, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Were your driving privileges revoked or suspended? You might be required to file an SR-22 before you can get back on the road. Often incorrectly referred to as SR-22 car insurance, this filing isn’t really a type of car insurance—it’s a form that you file to prove you can meet your state’s minimum insurance requirements to drive.

SR-22s are usually required to restore a suspended license or after a conviction for reckless driving or major moving violations. These violations can also raise your insurance rates. Keep your costs low by comparing auto insurance quotes from dozens of top insurers with Insurify.

Quick Facts

  • An SR-22 proves that you have the minimum liability coverage required to operate a car in your state.
  • You might have to get one if you have a DUI conviction, uninsured at-fault accident, or other serious driving violation on your record.
  • Some states don’t require SR-22s. If you’re required to get one, you will be notified.

Who needs an SR-22 certificate?

What is SR-22 car insurance

An SR-22 form is filed by proving a driver meets minimum insurance coverage requirements. Drivers with DUIs may need to file an SR-22 to legally drive.

Not everyone needs an SR-22. When you do need one, it’s usually because it’s being mandated by the court or by your state’s motor vehicle department for certain traffic violations, such as:

  • DUIs or DWIs
  • Serious or repeat traffic offenses
  • An accident you caused while you were uninsured
  • Having your license suspended or revoked

As a condition for having your driving privileges restored, the courts or your state may require you to file an SR-22. This form is proof that you can meet your state’s minimum liability requirements with your auto insurance policy. This liability coverage usually includes property damage and bodily injury liability, with minimum amounts that are set by the state.

You may also hear the form called a certificate of financial responsibility, or an FR-44 in Virginia and Florida.

The length of time an SR-22 is required varies depending on the reason for your license suspension or revocation. More serious offenses may require you to carry the SR-22 for longer. Most drivers who have one will need to submit the form for at least three years, although under some circumstances, you may have to file for five years or more.

Where you live also affects when the countdown starts on the SR-22 requirement. In some places, it might start on the day of the incident. In others, it might start on your conviction date, the day your license is suspended, or the day your license is reinstated.

It’s important to know that you can’t just cancel your car insurance policy after your SR-22 is filed. Your insurance company is required to notify the state if your car insurance coverage lapses or expires, and that could mean your license is suspended or revoked all over again.

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How much does an SR-22 cost?

SR-22s by themselves aren’t very expensive. Your auto insurance company may file them for free as part of your policy. There is a small filing fee that varies by state, which is usually around $25 per person.

However, there is one important thing to know about SR-22s and insurance costs. The violations that caused you to need an SR-22 will greatly affect the cost of your insurance because you’re now considered a high-risk driver.

The specific violation you committed will affect how expensive your premiums will be after your SR-22 is in place. For example, if you have a DUI in your recent past, that will usually mean higher insurance premiums than a speeding ticket would.

Sometimes, people with SR-22 requirements who need a new policy may be forced to pay for the entire policy in full before being approved for coverage. This can be a real financial imposition, but if you’re able to pay it, paying in full up front ensures that you’ll have car insurance for that entire term and won’t be penalized for having your policy lapse.

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How to meet the SR-22 requirement

Need to file an SR-22? Your insurance company usually handles that for you. If your insurance policy is still in effect, let them know that you need to file an SR-22. If they’re not licensed in the state where you need to file, you will have to do it yourself with your state’s department of motor vehicles.

There are a few types of SR-22s:

  • Operator or non-owner SR-22s: An operator or non-owner’s form is for people who borrow or rent cars but don’t own their own vehicles. It protects the policyholder instead of covering a specific vehicle. You might also hear it called a non-driver SR-22 or non-owner car insurance, even though it’s not technically its own insurance policy.
  • Owner: The owner’s form is for drivers who own and drive their own car and no one else’s.
  • Operator/owner: This form is like a combination form. It covers drivers who own their own car but might also borrow or rent another car sometimes.

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If you have an SR-22, you can’t cancel your current insurance policy until you have a new one. If your policy lapses for any reason while the SR-22 is in effect, the SR-22 will be voided and you’ll get in serious trouble.

However, having an SR-22 doesn’t mean you can’t shop around for better insurance. You can find a new policy that will meet your needs and will file an SR-22 for you. After that policy is in place, you can call your current insurance agent and cancel your old policy.

Start by comparing car insurance quotes to figure out who the cheapest insurance company is, and make sure you read plenty of reviews to see who has a history of good customer service and financial stability. Use Insurify, a comparison tool that brings together quotes from all the top insurers, to find a cheap SR-22 insurance policy that you can afford.

Note that it’s illegal to hold dual insurance policies when one company knows about your SR-22 and the other one doesn’t so make sure everyone is on the same page at all times. Get SR-22 insurance quotes from your old company too so that you can compare them to new companies.

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Get Back on the Road Legally

An SR-22 form will help you get back on the road legally. If you follow the rules and don’t have any more violations on your record, you’ll be paying normal rates again before you know it.

Frequently Asked Questions

  • After you’ve kept the SR-22 in place for the required amount of time, ask your insurance company to remove it from your policy. Your rates may go down, but that’s not guaranteed.

  • This is common, especially if you committed a violation while visiting or living in a different state. Ask your insurance company for help—most insurance companies should be able to help as long as they’re licensed in the state where you need an SR-22.

  • If your coverage lapses for any reason, your insurance company will inform the state’s DMV. This could mean that you lose your driver’s license or face other serious consequences, depending on the state. Be sure you make your payments on time so that your insurance provider doesn’t cancel your SR-22.

  • Some states require FR-44s or FR-19s instead of or in addition to an SR-22. FR-19s prove that the driver had insurance at some point in the past, while an FR-44 proves that you have active liability insurance that meets state requirements. The FR-44 typically has higher requirements than state minimums or SR-22s require.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Jennifer Pendell
Jennifer Pendell

Content Writer at Insurify

Jennifer Pendell is a personal finance expert. She specializes in breaking down dense subjects to make them easier for consumers to understand, with a particular interest in homeowners, renters, and auto insurance concepts. She studied at the University of Iowa.

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