Get support with SR-22 car insurance filing and get back on the road fast.
You’ll hear it called SR-22 insurance, but an SR-22 isn’t actually insurance at all. It’s a document that your insurance company files with your state as proof that you carry an active policy meeting minimum liability requirements. In other words, it’s your official proof of insurance to legally get back on the road.
3 important facts you should know about SR-22s
An SR-22 isn’t insurance.
An SR-22 is a certificate that your car insurance provider files with your state’s DMV on your behalf. This certificate confirms that you have an insurance policy that meets all necessary requirements.
Filing for an SR-22 is cheaper than you might expect — but could increase your premiums.
Most providers charge a fee of $25 to $50 to file an SR-22 on your behalf. But the real cost of an SR-22 is the impact it has on your car insurance premiums. After a serious driving violation, you’re considered a high risk driver, which means you could be looking at greatly increased premiums for as long as you need an SR-22.
An SR-22 won’t leave a permanent mark on your driving record.
Depending on your state and your circumstances, you might only need an SR-22 for three years — assuming you maintain a clean record. After three years, simply request that your insurer remove the SR-22 requirement from your policy.
Who needs SR-22 insurance?
Your state DMV will let you know if you need to file for SR-22 after one of these driving violations. Depending on your state’s laws, you could be required to file an SR-22 if:
- You’re convicted of a DUI or DWI.
- You’re ticketed for driving without insurance.
- You’re involved in an accident that causes an injury.
- You accumulate a lot of points on your driving record.
Any of these marks on your record can result in your state considering you a risk, at which point filing for an SR-22 can help reinstate your license.
Can my insurer drop me after I file for SR-22?
If you are required to file an SR-22 because you got into trouble behind the wheel, your existing car insurance provider might consider you too high risk to insure and cancel your policy. And depending on your policy, you might get until the end of your policy term, or you might be dropped effective immediately.
If your insurer does cancel your insurance, don’t panic. You’ll receive written notice before your policy ends to give you enough time to find a new provider. There are plenty of insurance companies out there that specialize in high-risk insurance, including well-known companies like The General and Geico. Your best bet is to compare your options and find the best deal for your situation.
Find out how to get an SR-22 with these insurers
Compare SR-22 insurance
Learn about SR22 requirements in your state
States that don’t require SR-22 insurance
These states don’t require SR-22 insurance if you’re a current resident, but you might need to keep your SR-22 insurance if you move to these states from a state that does require it.
- New Hampshire
- New Mexico
- New York
- North Carolina
- South Dakota
- West Virginia
How do I file an SR-22?
- Find an insurer. Ask your insurer if it’s authorized to issue SR-22s in your state . If not, find a provider that is.
- Pay the SR-22 fee. Your insurer will charge you a processing fee to file the SR-22.
- Verify minimum liability coverage. The minimum limits vary by state. Your insurance provider can hep you with this.
- Submit your SR-22. In most states, your insurance provider will electronically file the SR-22 on your behalf. Always verify that it’s been sent.
- Get confirmation. Ask for confirmation from your provider that your SR-22 has been accepted.
How do I remove or cancel my SR-22 filing?
After you’ve satisfied your SR-22 requirement, take the lead on removing the SR-22 from your record. First, confirm with your state’s motor vehicles department that you’re in the clear. Get the proof in writing, and forward it along to your insurance company.
You may need to complete additional forms, but your insurance company should be able to handle that for you. The most important final step in the process is to shop around for new coverage, because you will likely qualify for much lower payments now.