Learn all about this certificate of financial responsibility.
You’ll hear it called “SR-22 insurance.” But an SR-22 isn’t actually insurance at all — rather, 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 or other authorities on your behalf. This certificate confirms that you’ve purchased a policy that meets all necessary requirements. If you’re already insured, you can request to add an SR-22 to your policy.
- 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 thousands of dollars more on your premium 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?
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.
Find out how to get an SR-22 with these providers
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
- North Carolina
- South Dakota
- West Virginia
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.