SR-22: Everything You Wanted to Know

SR-22 insurance, or an SR-22 (meaning State of Responsibility), is a certification issued by your car insurance company showing proof that you are carrying the minimum liability coverage required by your state. If you have been involved in an accident and were not carrying minimum car insurance, most state DMVs will require you to hold an SR-22. SR-22s can also be required for other types of traffic offenses.

Everything You Wanted to Know About An SR-22

Do I need an SR-22?

While each state has its own requirements, examples of circumstances that frequently require an SR-22 include:

  • DUI or DWI or any serious moving violation
  • At-fault accidents while driving without insurance
  • Repeat traffic offenses or getting too many tickets in a short period of time
  • To reinstate a suspended or revoked license

How long is an SR-22 valid?

Each state has its own requirements for the length of time that an SR-22 must be in place. As long as you pay the required premium and keep the policy active, the SR-22 will remain in effect until the requirements for your state have been met. If your policy is canceled while you are still required to carry an SR-22, your insurer is required to notify the state authorities, which may result in suspension of your driving privileges. Your insurance company will provide the state with advance notice before canceling your coverage. If you do allow the coverage to cancel, your insurer will file an SR-26 with the state, indicating that your policy is no longer in effect.

Are there any fees for filing an SR-22?

Most states require a small filing fee when an SR-22 is first filed. There is usually no fee to renew an SR-22, unless you have allowed your policy to lapse. An SR-22 is filed for a specific driver, so if there are additional drivers on your policy, you will need an SR-22 for each driver. 

How do I get an SR-22?

SafeAuto can help you get the SR-22 documentation you need to be able to legally drive again. Call a dedicated SafeAuto customer service representative at 1-800-SAFEAUTO (1-800-723-3288) to request an SR-22 to be filed anytime, 24 hours a day, 7 days a week. SafeAuto provides free car insurance quotes to all drivers.

Note: Not available in all states and situations.

Mistakes happen and an SR-22 is one of the last steps to get you back on the road. If you have an SR-22 and have questions, give SafeAuto a call and let our trained customer services representatives assist you.

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