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What is SR-22 insurance?

An SR-22 is not actually a type of insurance. Instead, it’s a certificate of financial responsibility required for certain drivers to prove they meet their state’s auto insurance requirements.
Your insurance company files this form on your behalf and continues renewing it with each policy renewal for as long as it’s required.

Who needs an SR-22?

Not all drivers need an SR-22. This requirement applies only to those who are ordered by the state or a court—most commonly after violations such as:

• DUI or DWI

• License suspension

• Driving without auto insurance

• Major or repeated driving offenses

Some states, like Florida and Virginia, also use FR-44 forms specifically for DUI and DWI cases.

How much does an SR-22 cost?

An SR-22 comes with two types of costs:

• SR-22 filing fee

Typically around $25, though the amount can vary by state and insurance provider. This fee is charged at each renewal until the SR-22 is no longer required.

• Higher insurance premiums

Drivers who need an SR-22 often pay more for coverage due to the violation on their driving record. However, factors like your ZIP code, vehicle type, and chosen coverage also influence your final rate.

SR-22 Frequently Asked Questions

What happens if you don’t get SR-22 insurance?

Failure to file an SR-22 when required can lead to vehicle impoundment, fines, loss of driving privileges, or even arrest. Staying compliant is essential.

How long do I need to maintain SR-22 insurance?

The required duration varies by state and the severity of the offense. In most cases, it’s at least three years, but it may extend to five or more. Your local DMV can provide the exact timeframe.

Can I remove the SR-22 requirement early?

Because the requirement is imposed by the state or court, it can only end early if your conviction is overturned, eliminating the need for the SR-22.

What happens if my SR-22 insurance lapses?

Your insurer must report any lapse to the DMV immediately. This can lead to license suspension or revocation, fines, and other penalties. In many cases, your SR-22 period will restart.

Can I get an SR-22 if I move to another state?

Yes. You must maintain an SR-22 filing in the state where it was originally required, even after moving—regardless of whether the new state requires one. Your insurer can help you file it correctly.

Can I switch insurance companies with an SR-22?

Absolutely. You can change insurers like usual, but you must ensure continuous coverage with no lapses.
To see how much you can save by switching to Direct Auto, call, click, or visit us for a free quote with an SR-22 filing. We’re here to help you stay protected and legally back on the road.