SR-22 Insurance

If you need to file an SR‑22 form, you may be wondering if there are any important things you need to know before doing so. We're here to help!

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SR-22 Insurance Basics

An SR‑22 filing isn't really insurance; it's a "certificate of insurabil­ity" (sometimes called an SR‑22) which is often required for people who drive high-risk vehicles.

If you're convicted of a DUI or your driving privileges have been suspended or revoked, or you've accumulated too many traffic violations in too short of a period of time, you may need SR‑22 coverage. Also, it's typically required if you were at fault in an accident while driving uninsured. Without an SR‑22 filing, there's likely no way to get your driving privileges back or your vehicle registered again.

If you don't carry enough auto liability coverage, your insurer may file an SR‑26 form with the DMV.

An SR‑22 is required by law if you're involved in an accident or receive a traffic citation. But if you don't renew your car liability coverage within 30 days after receiving notice from your insurer that you need to file an SR‑22, your driving privileges may be suspended. And because of the way the federal government defines "filed," you could lose your driver's license even if you haven't actually completed the paperwork yet.

SR-22 Insurance Quotes

Most auto insurers don’t offer services related to SR‑22 files. If you need one, contact us at We’ll be happy to assist you.

We strive to provide reliable, affordable SR‑22 insurance coverage for our clients.

If you need insurance for your car, SR‑22 Insurance can help you.

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SR-22 Filing Requirement Lengths

It depends on your specific situation. Most drivers will be required to file an SR‑22 insurance report for at least 3 year(s). Under certain circumstances, SR‑22 reports may be filed for up to 5 year(s) or more.

If you're from an area where the time for starting the clock on your SR‑22 requirements begins on the date of the accident, then you'll need to contact your insurer within 30 days after the accident. However, if you're from an area that requires the clock to start ticking at the time of the incident, then you'll need contact your insurer by the end of the month following the accident.


  • Conviction date

  • License suspension date

  • License reinstatement date


Not all states require a SR‑22 insurance report after a traffic violation. When moving to another state, you may not need to get an SR‑22 insurance report if your new home requires only a minimal level of auto insurance. However, if you move to a state that requires a higher level of auto insurance, you'll need to get an SR-22 insurance report before you can register your vehicle in the new state. You will also need to notify the DMV about any changes in your address.

Filing an SR-22

Usually, your insurer will handle your SR‑22 filing for you. However, if your insurer isn't registered in a specific jurisdiction, you'll need to submit your SR‑22 form to that jurisdiction's DMV. We've included the contact info for all 50 states below.

At SR22 Insurance we're here to help you get an SR‑22 insurance policy, and ensure that your SR‑22 filings meet state requirements and are filed correctly.

Cost of an SR-22

You may be charged an additional $25 for the SR‑22 insurance, depending on where you live.

However, even though SR‑22 fees may be relatively inexpensive at first, they tend to increase over time. That’s because the violation for which you filed an SR‑22 was considered when calculating your rates. Once you no longer need to file an SR‑ 22, and that violation has been removed from your driving history, your insurance rates should decrease over time.

Checking Your SR-22 Status

You can either contact our toll-free number at 844-328-0307 or visit your local DMV for assistance. We're always happy to help!

SR-22 insurance filings from SR22 insurance

Our team can help you get started with your auto insurance coverage today! Just fill out our short application below and we'll send you a copy of your SR-22 certificate within minutes. And if you're looking for cheap car insurance rates, you've come to the right place - we offer competitive prices and top rated customer service.

**Please be aware that SR‑22 filings must be made in the state where your vehicle was registered at the time of the accident.

SR-22 Contact Information

Find your state below:

Alabama Motor Vehicle Division

(334) 242-9000

Alaskan DMV


Arizona Department of Transportation


Arkansas Office of Motor Vehicle

(501) 682-4692

California DMV

(916) 657-6677

Colorado Division of Motor Vehicles

(303) 205-5613

DMV (Department of Motor Vehicles)


  • If you're looking for an experienced and reliable locksmith company in Hartford area and outside

  • Elsewhere in Connecticut(800) 842-8222


DMV - Delaware Division of Motor Vehicles

(302) 744-2500

Florida Department of Highway Traffic Safety and Motor Vehicle Administration

(850) 922-9000

Georgia Department of Motor Vehicle Safety

(678) 413-8400

Idaho Transportation Department

(208) 334-8000

Illinois Department of Driver Services

(217) 782-3720

Indiana BMV

(317) 232-2840

Iowa Department of Transportation

(515) 239-1101

Kansas Driver Control Bureau

(785) 296-3671

Louisiana Office of Motor Vehicles

(877) 368-5463

Maine Bureau of Motor Vehicles

(207) 624-9000

Maryland Department of Transportation

(410) 768-7000

Minnesota Department of Public Safety

(651) 296-6911

Missouri Department of Revenue

(573) 526-2407

Mississippi Department of Public Safety

(601) 987-1212

Montana Vehicle Division

(406) 444-3933

New Hampshire DMV

(603) 227-4000

Nebraskan DMV

(402) 471-2281

Nevada DMV

(800) 344-0483

New Mexico Department of Highways (DOT)

(505) 827-5100

North Carolina Department of Transportation

(919) 715-7000

North Dakota DMV

(701) 282-5070

Ohio Bureau of Motor Vehicles

(614) 752-7700

Oklahoma Department of Public Safety

(405) 425-2820

Oregon DMV

(503) 945-5001


(800) 932-4600


(401) 462-4368


(803) 896-5000

South Dakota Department of Transportation

(605) 773-3541

Tennessee Department of Safety

(615) 741-3954

Texas Department of Public Service

(512) 424-2600

Utah Department of Motor Vehicles

1-800-DMV-UTAH (800-368-8824)

Vermont DMV

1-888 99-VERMONT (888-998-3766)

DMV (Department of Motor Vehicles)

(866) 368-5463

Washington Department of Licensing

(360) 902-3900

Washington DC DMV

(202) 737-4404


(304) 926-3499

Wisconsin Department of Transportation

(608) 266-2353

Wyoming Department of Transportation

(307) 777-4375


Frequently Asked Questions

What is SR-22 car insurance?

A Certificate of Financial Responsibility (CFR) is not actually car coverage; it’ s a document proving the person has enough liability coverage to pay any judgment against them if they cause damage to another vehicle or property. Most states require a CFR for three years after a conviction, though some states allow up to five years.

However, some states don't require SR‑22 insurance. If you're unsure whether you need an SR‑22 form, contact your state DMV for further details.

If you're looking for affordable car insurance rates, check out SR22 Insurance. We specialize in helping people get their SR‑22 forms filed so they can keep driving without worrying about losing their license.

What purpose does an SR‑22 serve?

If the state requires it, people who have certain driving offenses on their records must get SR‑22 auto insurance coverage. Those offenses include: speeding, reckless driving, DUI, etc.


  • Multiple traffic violations

  • Serious traffic offense

  • Driving when your driver’s licence or vehicle registration has been revoked or suspended

  • Conviction for driving under the influence

  • A car accident where the person who caused the accident doesn't have insurance


You may be required by law to obtain SR‑22 coverage if you want to keep your driver’s licence. If you fail to get SR‑22 coverage, you risk losing your driving privileges.

If they don't drive for three years, they'll be required to file an SR‑22 form before driving again. Since each individual states' laws vary, contact your DMV for specific details on SR‑22 requirements in your particular jurisdiction.

What kind of insurance do I need for an SR-22 loan?

You must purchase full auto liability and collision/comprehensive coverages before filing an SR‑22. These policies protect against any damages caused by accidents or incidents outside of the policyholder’s control. They also pay to fix the vehicle if it’s damaged by events such as fire, theft, vandalism, falling objects, animals, and collisions with other vehicles. Comprehensive covers property loss, including things like broken windows and stolen items inside the vehicle. Liability protects you from being sued for injuries sustained by someone else. For example, if you injure another person in an automobile crash, they could sue you for medical expenses and lost wages. If you cause injury to yourself, you may be able to collect compensation from your own insurer.

The law requires you to carry certain minimum levels of automobile coverage. In order to legally drive, you must meet these requirements. Even though you might not normally cover the cost of damage to your vehicle, you must do so if you want to continue driving. If you lease your vehicle, you'll likely be required to pay extra for additional coverage. Your lender or leasing company might also require you to obtain additional coverage.

An SR-22 insurance covers the following:1) Losses caused

An SR‑22 filing is an important document because it lets the state know that you've met the legal requirements for auto coverage. But what does it actually mean? Essentially, it means that you've purchased enough car coverage to protect yourself against financial loss due to accidents involving uninsured motorists.

The amount of money that must be paid varies depending on the type of insurance policy. Some policies require monthly payments, others only one payment per year. Some policies cover only accidents that occur within a specific period of days after the policy was purchased. Others pay out regardless of how far into the future the accident occurs.

Regular auto coverage versus SR‑22 coverage.

The SR‑22 Form isn't actually your auto policy; it's just an additional requirement for your vehicle registration. You purchase regular auto coverage as normal, and the SR‑ 22 form is filed by your insurer to the DMV on your behalves.

If you want to be able to drive legally again, you need to file for an SR‑22 certificate from your auto insurer. Otherwise, you won't be allowed to drive until you've filed for a new policy.

When you purchase automobile liability protection from SR22Insure, the SR‑22 forms are provided with your new vehicle policies after buying them online. In just a couple of moments, you'll get an estimate for your SR‑22 premium along with your new vehicle coverage. Get your SR‑22 approved within 12 hours. Apply for your new coverage and pay for it in one place. Use our mobile app to find out how much you could save today!

What’s the price for an SR‑22 policy each month?

You can expect to spend around $25 annually to file your SR‑22. SR‑22 auto coverage includes this cost in your premium. When you need an sr-22 certification, it isn’ t the fee that increases your rate – it’ s what violation caused the SR‑ 22 requirement. On the bright note, when you no longer possess that violation on your driver’ s license, your auto policies may drop. Companies such as SR22 Auto Coverage will keep on with your plan after your SR‑22 vehicle registration compliance is finished.

How much does SR-22 insurance increase your car insurance rate?

Depending on the offense, the state, and the insurance company, the increase in premiums can be anywhere from $1,000 to $2,500 per year. However, in most cases, rates go up somewhere between 70 and 80 percent.

How can I get cheap SR‑22 insurance?

To get an SR‑22 form from the DMV, you must be deemed a high risk by the insurer. So look for an auto insurer who specializes in insuring high-risk drivers, such as SR‑22 Insurers.

If you're paying too high a premium for auto insurance because of a violation, you may be able to save some cash by purchasing a cheaper vehicle without the necessary coverages. But, if the vehicle isn't insured at all, make sure you can afford replacing it if an accident occurs.

Another way to save money on your car insurance is to opt for a higher deductible. When you choose a higher deductible, you’ll be able to drive without worrying about paying any extra costs. However, you’ll have more out-of-pockets expenses if you need to file a claim.

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