SR-22 Explained: What It Is and How Long You Need It
An SR-22 isn’t a type of insurance. It’s proof, filed by your insurer, that you carry the coverage your state requires.
Quick checklist
- An SR-22 is a certificate your insurer files with the state to prove you have at least the minimum required liability coverage.
- It’s commonly required after a DUI, driving without insurance, serious violations or a license suspension.
- Many states require an SR-22 for about three years, but the period varies.
- If your policy lapses, the insurer must tell the state, which can suspend your license again.
- Florida and Virginia use a similar form, the FR-44, with higher required limits.
If a court or your state’s motor vehicle agency says you need an SR-22, it’s asking for proof that you carry insurance. Here’s how it works.
What an SR-22 is
An SR-22 is a certificate of financial responsibility. Your insurer files it with the state to confirm you have at least the minimum liability coverage required. It’s attached to an ordinary auto policy; it isn’t a separate kind of insurance.
Who needs one
Requirements vary by state, but SR-22s are commonly required after:
- Driving under the influence.
- Driving without insurance or being in an accident while uninsured.
- Serious or repeated traffic violations.
- A license suspension or revocation, as a condition of reinstatement.
How to get one
- Contact your insurer and ask whether it files SR-22s in your state.
- Buy or update a policy that meets your state’s minimum limits.
- The insurer files the form with the state, usually for a small fee.
- Confirm with the state that the filing was received before you drive.
Watch out
If your policy is cancelled or lapses while you need an SR-22, your insurer is required to notify the state. Your license can be suspended again, and the required period may restart.
How long it lasts
Many states require an SR-22 for about three years, but it can be longer depending on the violation and state. Mark the end date and confirm with the state before cancelling.
FR-44 in Florida and Virginia
Florida and Virginia use an FR-44 for some violations, such as DUI. It works like an SR-22 but requires higher liability limits.
Related guides
To understand how your state’s rules work after an accident, see our guide to no-fault and PIP coverage, and for protection against other drivers who skip insurance, our guide to uninsured motorist coverage.
Driver questions
Do all insurers file SR-22s?
No. Some insurers don’t offer SR-22 filings, and others may decline high-risk drivers. You may need to shop around.
What if I don’t own a car?
A non-owner SR-22 policy provides liability coverage when you drive vehicles you don’t own, and satisfies the filing requirement.
Can I move to another state with an SR-22?
Usually you must keep meeting the original state’s requirement, even after moving. Check with both states’ motor vehicle agencies.
Will an SR-22 raise my premium?
The filing fee is usually small, but the violation behind it typically raises premiums significantly.
Car insurance rules vary by state and by policy. This guide is general information, not legal or insurance advice; check your policy and your state insurance department for details.