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An SR22 is a certificate of financial responsibility required by certain states after serious traffic offenses, such as DUI/DWI convictions or multiple moving violations. It proves to your state’s Department of Motor Vehicles (DMV) that you have insurance that meets the minimum liability limits set by law.
Why Do You Need an SR22?
If your license is suspended or revoked for a traffic violation, you may be required to obtain an SR22 to reinstate it. Failure to maintain an SR22 can result in your license being suspended again or further penalties.
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- Fast and easy quotes: Get instant quotes from multiple insurance providers in minutes.
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How to Get an SR22 Quote
Getting an SR22 quote is simple. Follow these steps:
- Enter your ZIP code: Start by entering your ZIP code into the quote form on our website.
- Provide your information: Enter your personal information, driving history, and vehicle details.
- Get your quotes: You’ll receive instant quotes from multiple insurance companies.
- Compare and choose: Review the quotes and choose the policy that best meets your needs and budget.
- Enroll: Once you select a policy, complete the enrollment process online or over the phone.
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What is SR22 insurance?
SR22 insurance, also known as a financial responsibility certificate, is a specific type of auto insurance required by many states for drivers who have been convicted of certain traffic violations. An SR22 insurance filing demonstrates to the state that you have obtained the minimum required auto insurance coverage to legally operate a vehicle.
Who Needs SR22 Insurance?
Individuals who are typically required to obtain SR22 insurance include those who have been convicted of:
- Driving under the influence (DUI)
- Driving while intoxicated (DWI)
- Driving with a suspended or revoked license
- Multiple serious traffic violations
After a traffic violation conviction, the state will usually notify you if you are required to file an SR22 certificate.
How SR22 Insurance Works
SR22 insurance is not a separate type of insurance policy. Instead, it is an extension or endorsement added to your existing auto insurance policy. When you obtain an SR22 insurance policy, your insurance company will file a form (SR22) with the state’s motor vehicle department on your behalf. This form certifies that you have the minimum required liability insurance coverage. The SR22 insurance filing remains on file with the state for a specified period of time, typically three to five years. During this time, you are required to maintain continuous SR22 insurance coverage. If your SR22 insurance coverage lapses, your license may be suspended or revoked again.
Benefits of SR22 Insurance
Obtaining SR22 insurance offers several potential benefits, including:
- Reinstating your suspended or revoked license: SR22 insurance can help you get your license back after it has been suspended or revoked due to a traffic violation conviction.
- Maintaining your driving privileges: By maintaining continuous SR22 insurance coverage, you can avoid your license being suspended or revoked again for the duration of the filing period.
- Meeting state requirements: SR22 insurance ensures that you are complying with state laws and regulations, which can help you avoid additional penalties.
- Peace of mind: Having SR22 insurance in place can provide peace of mind knowing that you have the necessary insurance coverage and are meeting your legal obligations.
How to Get SR22 Insurance
To obtain SR22 insurance, you must first have a valid auto insurance policy. You can then contact your insurance company and request an SR22 filing. Your insurance company will typically charge an additional fee for this service. Once the SR22 filing has been processed and submitted to the state, you will receive a confirmation document.
Important Considerations
It is important to keep the following considerations in mind when obtaining SR22 insurance:
- Cost: SR22 insurance can be more expensive than standard auto insurance due to the additional filing fee and potential risk associated with the driver’s history.
- Continuous coverage: You must maintain continuous SR22 insurance coverage throughout the filing period. If your insurance lapses, your license may be suspended or revoked again.
- State requirements: SR22 insurance requirements may vary from state to state, so it is important to check with your local motor vehicle department to determine the specific requirements in your state.
- Proof of insurance: You should always carry proof of your SR22 insurance coverage with you when you drive.
SR22 insurance is a legal requirement for drivers who have been convicted of certain traffic violations. By obtaining and maintaining SR22 insurance, you can reinstate your suspended or revoked license, maintain your driving privileges, and meet state requirements. Understanding what SR22 insurance is and how it works can help you navigate this process and ensure your compliance with the law.
