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.
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
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.