What Is SR-22 Insurance?
An SR-22 is a certificate of financial responsibility that your insurance company files with your state's DMV. It proves you carry the minimum required auto insurance — it's not a type of insurance itself.
It's a Form, Not Insurance
SR-22 is a document your insurer files with the DMV to certify you have active coverage.
Typically Required 3 Years
Most states require SR-22 for 3 years, though some require 2 years or more.
Filing Fee: $15–$25
The SR-22 filing fee is minimal. The real cost is in higher insurance premiums.
Why Do You Need SR-22?
There are several common reasons drivers are required to file an SR-22. Select your situation to learn more.
DUI / DWI
Most common SR-22 trigger. Learn about requirements after a DUI conviction.
No Insurance
Caught driving without coverage? SR-22 proves you're now insured.
Too Many Violations
Accumulated too many points? SR-22 may be required.
At-Fault Accident
Caused a serious accident? Learn about SR-22 obligations.
License Reinstatement
Getting your license back often requires SR-22 filing.
Reckless Driving
Reckless driving convictions frequently trigger SR-22.
SR-22 Requirements by State
Every state has different SR-22 requirements. Find your state's specific rules.
Top SR-22 Insurance Companies
Compare the best insurers for SR-22 coverage based on rates, filing speed, and customer service.
Progressive
Best Overall for SR-22
GEICO
Best for Bundling Discounts
State Farm
Best for Local Agent Support
Nationwide
Best for Good Credit Scores
The General
Best for Very High-Risk Drivers
Dairyland
Best Budget SR-22 Option
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