What is SR-22 Insurance?

SR-22 insurance is not a separate type of auto insurance policy but rather a form that your insurance company files with the state to prove that you carry the required amount of liability coverage. It’s often required for high-risk drivers who have committed serious traffic violations, such as DUI/DWI, driving without insurance, or multiple at-fault accidents.

An SR-22 serves as a guarantee from your insurer to the state that you are maintaining the minimum auto insurance coverage required by law. Failing to keep this insurance active can result in further penalties, including license suspension.

When Do You Need an SR-22?

Drivers may be required to obtain an SR-22 for a variety of reasons, including:

  • DUI or DWI Convictions – One of the most common reasons for an SR-22 requirement.
  • Reckless Driving – Excessive speeding, aggressive driving, or other dangerous road behaviors.
  • At-Fault Accidents Without Insurance – If you cause an accident while uninsured.
  • Too Many Traffic Violations – Accumulating multiple tickets or moving violations in a short period.
  • License Suspension or Revocation – If your driving privileges have been suspended due to previous infractions.

Each state has its own rules regarding SR-22 requirements, so it’s important to check with your local DMV to determine how long you must carry it.

How to Get an SR-22

If you need an SR-22, follow these steps:

  1. Contact Your Insurance Provider – Not all insurers offer SR-22 filings, so you may need to shop around.
  2. Purchase the Required Coverage – You’ll need at least the minimum liability coverage mandated by your state.
  3. Have Your Insurer File the SR-22 Form – Your insurance company submits this directly to the state.
  4. Pay the Filing Fee – This usually costs between $15 and $50, depending on the state and insurer.
  5. Maintain Continuous Coverage – A lapse in coverage could reset the required filing period and lead to further penalties.

How Much Does SR-22 Insurance Cost?

While the SR-22 form itself is inexpensive, the real cost comes from the increased insurance premiums. Because it is required for high-risk drivers, insurers often charge significantly more. On average, premiums can rise by 50% to 100% or more, depending on the violation and location.

To lower your costs, consider:

  • Shopping Around – Compare rates from multiple insurers that specialize in SR-22 policies.
  • Taking Defensive Driving Courses – Some states offer discounts for completing safety programs.
  • Maintaining a Clean Record – Avoiding further violations will help reduce rates over time.
  • Choosing a Higher Deductible – A higher out-of-pocket cost can sometimes lower your premium.

How Long Do You Need an SR-22?

Most states require an SR-22 for three years, but this varies. Some states may require it for five years or longer, depending on the severity of the violation. Once the required period ends, your insurer will notify the DMV, and you will no longer need to maintain the SR-22.

What Happens If You Let Your SR-22 Lapse?

Failing to maintain continuous insurance while under an SR-22 requirement can have serious consequences, including:

  • License Suspension – Your driving privileges may be revoked again.
  • Restarting the SR-22 Period – You may have to start the requirement from the beginning.
  • Higher Premiums – Lapses in coverage can make it even more difficult to find affordable insurance.

If your policy is at risk of lapsing, contact your insurer immediately to prevent any gaps in coverage.

Alternatives to SR-22 Insurance

If you don’t own a car but still need an SR-22 to reinstate your license, you can purchase a non-owner SR-22 insurance policy. This provides the required liability coverage while allowing you to drive rental or borrowed vehicles.

Final Thoughts

SR-22 insurance is a necessary requirement for drivers who have committed serious traffic violations, ensuring they remain insured and compliant with state laws. While it does come with higher costs and stricter requirements, maintaining a clean driving record and fulfilling the SR-22 obligation can eventually help you regain standard insurance rates.

If you need an SR-22, act quickly by working with an insurer that specializes in high-risk policies and follow the requirements diligently to avoid further penalties.