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SR-22 Vehicle Liability Insurance

What is an SR22?
If you have a less-than-perfect driving record, your state may require you to have an SR22. An SR22 is a Certificate of Financial Responsibility (CFR) provided through your car insurance company confirming that you meet your state’s minimum car insurance requirements. The SR22 is not an insurance policy; rather, it is evidence that you have insurance coverage.

Who needs an SR22?
SR22s may be required for drivers with the following violations:

  • DUI or DWI
  • Reckless driving
  • At-fault accidents
  • Driving without insurance
  • Driving with a suspended license

What types of SR22 forms are there?
There are three types:

Operator – An Operators Form is designed for those who borrow or rent a car, but do not own a car. This is sometimes called non-owner car insurance.
Owner – An Owners Form is for those who own and drive their own car.
Operator/Owner – An Operators/Owners Form is a combination form that applies to those who own their own car, but also borrow or rent occasionally.

What information do I need for an SR22?
Required information varies by state, but generally includes:

  • Background and contact information
  • Auto insurance information
  • Policy ownership

How long does an SR22 last?
Most states require SR22s along with your insurance policy for approximately three years. This may vary by state or by circumstances, so be sure to check on your state’s requirements.

What happens if my SR22 expires?
If your SR22 expires, your insurance company may be required to contact the Department of Motor Vehicles (DMV). This could result in loss of license or, depending on your state of residence, other consequences.

How long does it take to get an SR22?
In many states, we can process and issue same-day SR22 requests. Contact us to find out if your state is one that allows same day processing.

Which states DO NOT require an SR22?
Your state has its own requirements, which are subject to change. If you’re not sure of these requirements, we recommend you contact your Department of Insurance.

How much is an SR22?
The cost to file an SR22 varies by state.

What is the difference between an SR22 and an FR44?
In Florida and Virginia, an FR44 may be required instead of an SR22 in some cases, based on driving record. Similar to an SR22, the FR44 is a document of financial responsibility proving that you carry car insurance. However, an FR44 requires your liability coverage limits to be significantly higher than the state minimum.

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