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What is SR-22 Insurance?

Updated: May 2017

An SR-22 is a form that is filed with a state department to show that you are meeting your state's minimum auto liability insurance requirements. An SR-22 may also be referred to as a certificate of financial responsibility, or, in some states, an FR-44.

People may mistakenly refer to "SR-22 insurance." An SR-22 is not insurance — it's simply a document that proves you have insurance.

blue car on grass.

Who Needs an SR-22?

Laws vary by state, but you may be required to file an SR-22 for the following:

  • Conviction for driving under the influence or driving while intoxicated
  • Serious and/or repeat traffic offenses
  • An at-fault accident with no insurance
  • License suspension or revocation

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How Long Do You Need to Have an SR-22?

SR-22 terms and requirements vary by state, but here are some guidelines to keep in mind:

  • You'll likely need to have an SR-22 showing continuous insurance coverage for about three years (longer in some states).
  • If your policy lapses or expires during this period, your insurance company is required to notify the state.
  • Failure to comply with the terms of your SR-22 may result in suspension of your license.
  • Once you properly fulfill your state's time requirements, your SR-22 status is typically lifted.
If you are required to file an SR-22, contact your insurer to obtain the documents for submission to your state's appropriate department.

For more information about obtaining an SR-22, check with your insurance agent.

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This content is for informational purposes only and may not be applicable to all situations.

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2017 Allstate Insurance Company, Northbrook, IL.

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