What is an SR-22?
An SR-22 is a certificate of financial responsibility required for some drivers by their state or court order. An SR-22 is not an actual "type" of insurance, but a form filed with your state. This form serves as proof your auto insurance policy meets the minimum liability coverage required by state law.
What is an FR-44?
An FR-44 is like an SR-22 form in that it proves that a driver is carrying active liability insurance that meets or exceeds state minimum coverage requirements. * However, an FR-44 typically includes higher liability requirements than state minimums or SR-22 minimum coverages.
Do I need an SR-22?
An SR-22 is ordered by a court or your state. If it's court-ordered, the judge will let you know at the hearing. If it's state-ordered, you'll typically receive a letter from your state's department (or bureau) of motor vehicles.
Not everyone needs an SR-22. It's typically required if you've been caught driving without insurance or a valid license. Here are some other reasons you might need to file an SR-22 form:
- DUI or DWI conviction
- Driving without enough insurance
- Too many at-fault accidents or violations
- Not paying court-ordered child support
- Hardship license (issued for temporary driving needs, normally to and from work, because your license has been suspended or revoked)
How do you get an SR-22?
If your insurance company offers SR-22 form filings, all you have to do is call them and they'll take care of it. They'll add the SR-22 endorsement to your existing policy and then file the SR-22 insurance document with the state that requires it.
If you don't have auto insurance or your current insurer doesn't offer SR-22s, then you'll need to buy a new policy. Since many insurance companies don't offer coverage for SR-22s, it's a good idea to let potential insurers know upfront that you require an SR-22 to save yourself some time.
We work with several insurance companies that can provide an SR-22 quick and easy, regardless of the reason. Immediately upon the purchase of your policy, in most states, we'll electronically file your SR-22 form with the department of motor vehicles in the requested state. In certain states, we'll be required to file by mail.
How much does an SR-22 cost?
An SR-22 costs approximately $25 to file, though the cost may vary by state and the insurance company. In some states, you'll have to pay the filing fee up front. Insurance companies include the fee for the SR-22 filing in your cost for each policy term. You'll also need to pay the filing fee with each policy term that the SR-22 is required.
How much will an SR-22 increase the cost of my insurance?
Since some insurers consider SR-22 drivers as high risk, your rate could increase. However, the increase to your policy's rate will vary based on your ZIP code, vehicle, driving record, insurance history, and other factors.
How do I get my SR-22 removed?
An SR-22 won't automatically fall off your insurance policy once it's no longer needed. You'll have to ask your insurance company to remove the SR-22 from your policy. Once removed, it's possible your insurance rate will go down if you saw an increase after filing your SR-22, but this isn't guaranteed. If your policy is canceled or lapses while you're carrying an SR-22, your insurance company will alert the DMV and your license will be suspended.