What is SR-22 Insurance?

A certificate of financial responsibility (CFR) is not a type of coverage but instead a simple-to-obtain government-issued paper stating that you're insured for certain amounts. It's often referred to as an SR-22 because it was once called a Certificate of Financial Responsibility.

Do I need an insurance policy?

A SR-22 is an insurance document required when registering a vehicle in some states. You'll usually get one if you're registering a car in California or New York, but not necessarily elsewhere.

You don't need an SR-22 for every reason. Some people may not need one at all.


  • DUI or DWI conviction

  • Driving without enough insurance

  • Too many at fault car crashes or traffic violations

  • If you get caught speeding repeatedly within a short period of time, you may be facing serious consequences.

  • Not paying court-mandated child support

  • Temporary license (usually given out when your driver’s license has been suspended or if you’re not allowed to drive due to an accident).


Are they the same thing?

A driver’s license suspension (DLS) is usually required following a DWI or DUI arrest. However, if you live in Florida or Virginia, there may be another option for you.

Here’s an example: If you live in Virginia, the state requires drivers to carry at least $25,000 ($50,000 if you own a car) worth of personal automobile liability

How do you get an SR-22?

You don't need to go through any hassle if your car insurer provides an SR-22 filing service. Simply call them up and ask for their assistance. They'll add the endorsement to your existing policy, and then file the SR 22 document with the appropriate authorities.

You may not be able to get auto liability cover if you don't have auto liability cover or if your existing insurer doesn't provide SR-22s. So, before starting out, it's best to let potential insurers known that you're looking for SR-22s.

If I need an SR-21, where am I going to get one from?

There shouldn't be any issue filing an SR-22 in another state. You may need to wait for some time before you can get back into California though.

If I need an SR- 22 and don't have a vehicle, I can get one from any auto lender.

If you're interested in buying car coverage, call our office today at (866) 749-7436. We'll refer you to an auto insurer who specializes in writing policies for people without vehicles. They may be able to help you get a policy regardless of whether you own a car or not.

Read more about non-owner auto insurance.


What does an SR-22 insurance cost?

An SR-22 is an inexpensive auto insurance product that covers drivers who do not own any vehicles. They're often used to cover drivers who have had their license suspended due to a DUI conviction. To get an SR-22, you must submit proof of financial responsibility. Your insurer can then verify your driving record and determine if you qualify for an SR-22. Depending on where you live, you might have to pay a small fee to obtain an SR-22 certificate.

What effect will an SR-22 filing have on the cost of my car coverage?

Because some insurers consider SR-21/SR-22 insureds as high risk, their rates may go up. However, the increase will depend on your zip, vehicle type, driving record, and other factors.

How do I know if my SR-22 is expired?

You'll need to contact your local DMV to see if you must renew your SR-22 insurance every year.

What steps must I take to remove an SR-22 from my record?

An SR-22 doesn't automatically fall off your car's registration once it's no longer required. You'll have to contact your state's Department of Motor Vehicles (DMV) to request removal of the SR-22 from the DMV database. Once the SR-22 is deleted, it's possible your auto insurer may lower your premium. However, this is not guaranteed. If your vehicle is cancelled or lapses during the period you were driving under an SR-22, the DMV will notify your auto insurer and your driver's license will be suspended.

What are some ways to get an SR- 22 with SR22 insurance?

SR22 insurance can be obtained quickly and easily, regardless if the driver is new or not. We offer our services to both new and old clients. You may contact us by phone (1-866-749 7436) or email (srinv@insurancequotesusa.com). Either way, we’ll help you obtain the SR22 coverage you need.

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