πŸš— Auto Insurance

What Is an SR-22?

An SR-22 is not a separate type of insurance policy. It is generally a certificate filed by an insurer with the state to prove that a driver carries the required liability coverage after certain violations or license actions.

When an SR-22 May Be Required

States may require an SR-22 after serious violations such as DUI, certain uninsured-driving incidents, or license reinstatement situations. The filing requirement and duration depend on state rules and the reason for the filing.

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What Drivers Should Understand

  • ✓ The SR-22 is a filing attached to an insurance policy, not a stand-alone product.
  • ✓ The driver usually must maintain continuous coverage for the required filing period.
  • ✓ A lapse can trigger additional penalties or restart the filing requirement in some cases.

Shopping With an SR-22 Requirement

Drivers who need an SR-22 should specifically ask insurers whether they file SR-22 forms and compare quotes with that filing included. Not every insurer handles SR-22 filings.

Related Auto Insurance Resources

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FAQs

Frequently Asked Questions about SR22 Insurance

An SR-22 is a form your insurer files with the state to confirm that you carry the required liability insurance.

No. It is generally a filing attached to a regular auto insurance policy.

It is often required after certain license suspensions, uninsured-driving incidents, or serious violations, depending on state law.

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