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What is SR-22 Insurance?

Updated: February 2016

The term "SR-22 insurance" is a bit misleading. An SR-22 is not actually an insurance policy, but rather a form that is filed with a state department to show that you are meeting your state's minimum liability insurance requirements.

An SR-22 may also be referred to as a certificate of financial responsibility, or, in some states, an FR-44.

blue car on grass.

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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If you are required to file an SR-22, contact your insurer to obtain the documents that will need to be submitted to your state's appropriate department.

SR-22 terms and requirements vary by state, but here are some important 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.
Make sure to check your state's SR-22 requirements and minimum financial responsibility requirements.

For more information about obtaining an SR-22, find a local agent near you.

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. © 2016 Allstate Insurance Company, Northbrook, IL.

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