What is an SR-22? | Car insurance

If you find yourself with a blemished driving record or outstanding court rulings, you may need to obtain an SR-22 form in order to drive legally. When this happens, it is important that you understand the process of obtaining an SR-22 and what it takes to meet the insurance requirements.

An SR-22 form or bond, also known as a certification of financial responsibility, indicates that you have sufficient liability insurance to meet state requirements. A court or the state Department of Motor Vehicles (DMV) may require you to obtain an SR-22 if you have been convicted of serious moving violations, held liable for multiple accidents, or if your license to drive has been revoked or suspended, among other reasons. If necessary, you will need to contact your insurance company to file paperwork for an SR-22.

One of three types of SR-22 forms will be filed, depending on your transportation situation:

  • Owner the certificates are intended for people who drive their own car.
  • Operator or non-owners the certificates are intended for people who do not have a car but who can rent or borrow a vehicle to drive.
  • Proprietary operator the certificates apply to those who drive both their own car and someone else’s vehicles.

SR-22 requirements vary from state to state. Typical reasons you may need to file an SR-22 include:

  • Excessive number of tickets over a defined period
  • Excessive number of at-fault accidents
  • Impaired driving or DWI convictions
  • Reckless driving or other serious offenses
  • License revoked or suspended
  • Unpaid judgments, including child support
  • Failure to purchase auto insurance
  • Issuance of hardship permit

There may be additional instances where an SR-22 is required. Your state’s Department of Motor Vehicles or a court will contact you if this type of certification is required.

The costs associated with obtaining an SR-22 vary among insurers. Some file for certification for free, while others charge a fee for completing this step. Individual insurance companies set these fees, but they usually range between $15 and $25.

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If you are advised that you must provide an SR-22, you will need to contact your auto insurance provider and ask them to complete the form on your behalf. However, not all companies will do this, in which case you may have to change insurers. Likewise, if you do not currently have auto insurance, you will need to purchase a policy that meets the state’s minimum liability requirements from a provider who will file an SR-22. Documentation typically required for an SR-22 financial responsibility certificate includes:

  • Date of Birth
  • Social Security number
  • Driver’s license number and state where it was issued
  • Suspension date
  • SR-22 expiry date
  • Information on why SR-22 is required

Policyholders are not responsible for filing this document, but they are responsible for ensuring that their insurer does so.

Several factors can affect the required length of time you hold SR-22 coverage, but most states require three years. Failure to have insurance or allowing your coverage to expire while the SR-22 is in effect may result in the suspension of your driver’s license and the imposition of additional penalties.

It is your responsibility to have an SR-22 removed. After confirming that your SR-22 requirement has expired, contact your insurance company and let them know that this can be removed from your policy.

An FR-44 is similar to an SR-22, but is only used in Florida and Virginia. Like an SR-22, an FR-44 certificate indicates that a driver has carried the required amount of liability insurance. Unlike an SR-22, this amount of insurance exceeds the state’s mandatory minimum liability coverage level.

Generally speaking, you can expect your auto insurance premiums to increase if you’ve received a speeding ticket, been convicted of a collision, or been convicted of driving under the influence. influence (DUI). Consider this: A driver with a clean record can expect to pay around $1,442 per year on average for car insurance, according to our analysis. A single speeding ticket will increase this amount by approximately $325 per year. Being convicted of an accident will result in even higher premiums, around $2,041 on average, while annual rates for someone convicted of impaired driving average $2,320.

How much your insurance premiums increase depends on your insurer and the severity of your violation.

Average annual auto insurance rates by driving record

Company Clean up recording With 1 speeding ticket With 1 accident With 1 DUI
Allstate $2,046.78 $2,325.85 $2,828.26 $3,016.71
American family insurance $1,371.38 $1,607.96 $1,658.07 $1,754.12
Geico $1,147.62 $1,481.28 $1,819.58 $2,972.68
Farmers $1,916.57 $2,407.38 $2,784.52 $2,652.73
At national scale $1,326.83 $1,628.53 $1,954.68 $2,685.15
progressive $1,532.72 $2,014.74 $2,470.22 $1,982.53
state farm $1,267.27 $1,408.81 $1,515.88 $1,710.71
Travelers $1,371.29 $1,825.51 $1,931.98 $2,202.90
USAA $999.74 $1,202.68 $1,403.67 $1,905.24
Medium $1,442.24 $1,766.97 $2,040.76 $2,320.31

Is SR-22 a type of auto insurance?

No. Although people may call this certificate of financial responsibility “SR-22 insurance,” an SR-22 is not auto insurance. An SR-22 is a form certifying that you have sufficient coverage to meet your state’s minimum liability insurance requirements. Your insurance company files this form on your behalf, as required by a state or court order. However, not all insurers will provide coverage in the event that you are required to file an SR-22. If this happens, you will need to find an insurer that does this and get coverage.

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