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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.

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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.


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