If you’ve run into trouble while behind the wheel in Rhode Island, you might be required to file for SR-22 insurance to get your license back.
An SR-22 isn’t actually insurance — it’s a form verifying you have car insurance meeting Rhode Island’s minimum requirements.
Here’s what you need to know about obtaining and maintaining an SR-22 in the Ocean State.
Do I need SR-22 insurance in Rhode Island?
Rhode Island law may require you to file an SR-22 if:
- You’re convicted of DUI or reckless driving.
- You refuse a breathalyzer.
- You’ve been involved in multiple accidents.
What if I don’t have a car or a license?
If you want to drive you still need an SR–22 — it covers you, not your car. Whether you own a car or not, you’re required to file an SR-22 to reinstate your license. Look into a non-owner insurance policy and file a non-owner SR-22.
What if I’m from another state?
Whether you’re visiting or have recently moved to Rhode Island, you need to maintain your SR-22 if you plan to hit the road.
How much does SR-22 insurance cost?
Insurance providers typically charge $20 to $50 for filing an SR-22 on your behalf. But it’s not the filing fee that’s most expensive when you’re required to file an SR-22 — you’ll also typically see higher premiums than you’re used to.
How do I file for an SR-22 in Rhode Island?
- Find an insurer. Ask your insurer if it issues SR-22s in the state of Rhode Island. If it doesn’t, you’ll need to find a car insurance company that does.
- Pay the SR-22 fee. Your insurer will charge you a minimal processing fee for filing the SR-22 on your behalf.
- Verify minimum liability coverage. If you’re already insured, call your provider to confirm your policy includes at least:
- $25,000 bodily injury liability
- $50,000 property damage liability
- $25,000 uninsured/underinsured bodily injury
These are the minimum coverage requirements for the state of Rhode Island that you might see listed as 25/50/25 on insurance documents.
- Submit your SR-22. Your insurance provider can electronically file the SR-22 on your behalf.
How long will I need an SR-22?
In Rhode Island the amount of time you have to maintain your SR-22 depends on your conviction, but it’s typically two to three years.
What happens if I let my SR-22 lapse?
SR-22s are often required after a driving conviction, such as reckless driving or a DUI. After such a conviction, you’re considered a “high risk” driver by Rhode Island and most providers — resulting in higher insurance rates. Still, you’ll find providers out there that specialize in high-risk drivers.
Talk to your provider about how much you can expect your rates to increase.
Make sure you understand your role in maintaining your insurance and your SR-22. A lapse or nonrenewal could set you back a lot of money and time.