Share Agent Blog
28 Feb 2025
If you've been told you need SR-22 insurance, you might feel overwhelmed or confused about what it entails. Is it a type of car insurance? Why do you need it? How can you get it? This guide will break down everything you need to know about SR-22 insurance, including what it is, who needs it, how to obtain it, and how much it costs. If you're labeled as a high-risk driver due to violations such as a DUI or driving without insurance, understanding SR-22 insurance is crucial for regaining your driving privileges.
What Is SR-22 Insurance?
SR-22 insurance is not actually a standalone insurance policy but rather a certificate that serves as proof that a driver carries the minimum required auto insurance coverage. This form is mandated by state authorities for high-risk drivers, particularly those with serious traffic violations or repeated offenses. The SR-22 filing is a way for the state to ensure that these drivers maintain continuous insurance coverage for a specified period.
Is It Insurance or Just a Certificate?
An SR-22 is a document that an insurance provider submits to the state on behalf of a driver, verifying that the individual holds the required level of liability coverage. Although it is commonly referred to as "SR-22 insurance," this term is misleading because the SR-22 itself is not an insurance policy. Instead, it is an addition to an existing auto insurance policy that provides proof of financial responsibility. Without this filing, a driver may face license suspension or other penalties.
Why Would Someone Need an SR-22?
A state may require an SR-22 for a variety of reasons, primarily related to high-risk driving behaviors or failure to comply with insurance regulations. Typically, individuals required to file an SR-22 have a history of serious infractions that elevate their risk profile.
DUI or DWI Convictions
One of the most common reasons for an SR-22 requirement is a conviction for driving under the influence (DUI) or driving while intoxicated (DWI). These offenses demonstrate reckless behavior, making insurers and state regulators keen on ensuring that such drivers maintain continuous coverage. Failure to comply with SR-22 requirements after a DUI conviction could result in prolonged license suspension or higher fines.
Driving Without Insurance
If a driver is caught operating a vehicle without the state-mandated minimum insurance, they may be required to file an SR-22 before their driving privileges can be reinstated. Many states take uninsured driving seriously, as it poses financial risks to other road users. In such cases, an SR-22 filing serves as proof that the driver has secured proper coverage moving forward. Multiple violations of this nature could result in extended SR-22 requirements and increased insurance costs.
Other reasons for needing an SR-22 may include accumulating too many traffic violations within a short period, causing an accident while uninsured, or having a suspended or revoked license due to non-compliance with traffic laws. Each state has its own regulations regarding SR-22 filings, so it is essential to check local requirements.
How to Get an SR-22 Insurance Policy
Obtaining an SR-22 requires following specific steps to ensure compliance with state regulations.
Steps to Filing an SR-22
Contact an Insurance Provider – Not all insurance companies offer SR-22 filings, so you'll need to find one that does.
Purchase an Auto Insurance Policy – If you don’t already have an insurance policy, you will need to buy one that meets state minimum requirements.
Request the SR-22 Filing – Your insurer will file the SR-22 form with the state on your behalf.
Pay the Filing Fee – A small fee is required for processing the SR-22 form.
Maintain Continuous Coverage – Lapses in coverage can result in penalties, including license suspension.
How Long Do You Need an SR-22?
The duration varies by state but typically lasts between three and five years. If you maintain a clean driving record during this period, the requirement will eventually be lifted. However, if your policy lapses, the clock may reset, extending the duration.
How Much Does SR-22 Insurance Cost?
The cost of SR-22 insurance depends on multiple factors, including your driving history, location, and the insurance provider you choose.
Factors Affecting the Cost
Driving Record – More severe infractions, such as DUIs, lead to higher premiums.
State Requirements – Different states have varying SR-22 regulations that may affect costs.
Insurance Provider – Not all insurers offer SR-22 filings, and those that do may charge significantly higher rates for high-risk drivers.
Coverage Limits – Higher liability coverage results in increased premiums.
On average, adding an SR-22 to your policy may increase your premium by several hundred dollars per year due to your high-risk classification.
How IA Near Me Can Help You Find SR-22 Insurance
Finding an insurance provider that offers SR-22 filings can be challenging, but IA Near Me makes it easier. Our platform connects you with experienced insurance agents who specialize in high-risk auto insurance, ensuring you receive competitive quotes from multiple providers. Whether you need non-owner SR-22 insurance or a policy for a vehicle you own, IA Near Me simplifies the process and helps you secure coverage quickly.
SR-22 insurance is an essential requirement for drivers who have committed serious traffic violations, such as DUIs or driving without insurance. While it may seem like a hassle, understanding the process can make it easier to obtain and maintain.
Take control of your driving future with IA Near Me. Our platform connects you with expert insurance agents who specialize in high-risk auto coverage, helping you find the best SR-22 insurance options available. Maintaining continuous coverage and driving responsibly will help you move past the SR-22 requirement and lower your insurance costs in the future.
FAQs
How long do I need to keep my SR-22?
The duration varies by state but typically ranges from three to five years. Maintaining continuous coverage without violations is essential to fulfilling the requirement.
Can I get SR-22 insurance if I don’t own a car?
Yes, you can obtain non-owner SR-22 insurance if you don’t own a vehicle but still need to meet state requirements for financial responsibility.
Will my car insurance go down after SR-22?
If you maintain a clean driving record and continuous coverage, your insurance rates may decrease once the SR-22 requirement is lifted. However, it depends on your insurer and overall risk profile.