SR-22 for Driving Without Insurance
Driving without insurance is a serious offense that can result in license suspension and an SR-22 requirement. Here's what you need to know to get back in compliance.
Why Uninsured Driving Requires SR-22
When you're caught driving without insurance, the state views you as a financial risk on the road. The SR-22 filing serves as proof that you now carry the required minimum insurance and provides the state with a mechanism to monitor your coverage status continuously.
Penalties for Driving Without Insurance
Penalties vary by state but typically include fines ranging from $100 to $5,000, license suspension, vehicle impoundment, and the SR-22 requirement. Some states also require you to pay a reinstatement fee before getting your license back.
How to Get Reinstated
To reinstate your license after an uninsured driving violation: 1) Purchase an auto insurance policy that meets your state's minimum requirements, 2) Have your insurer file an SR-22 with the DMV, 3) Pay any outstanding fines and reinstatement fees, 4) Wait for DMV confirmation before driving.
Cost Considerations
While the SR-22 filing fee itself is typically only $15–$25, your insurance premiums will increase significantly. Drivers caught without insurance can expect rate increases of 30% to 100%. Shopping among multiple insurers is essential to find the best rate.