What is SR-22 Insurance?
SR-22 car insurance for bad driving records and high-risk drivers
An SR-22 is a certification of insurance. This will not replace your insurance policy. It's an approved state-specific document that verifies you carry car insurance. There is an application process that typically happens if your state department of motor vehicles requests one from you in writing. Other instances may come from the courts.
An SR-22 proves you carry car insurance. Some people refer to the SR 22 car as a certificate of financial responsibility (CFR) filing. The SR22 simply states you’re meeting your state’s car insurance coverage requirements for driving over a specified amount of time.
SR22, SR-22, SR 22, SR22 form: Is it all the same?
Yes, no matter what you call SR22, all of the above will refer to SR-22 car insurance for drivers.
When Do I Need an SR-22 Certificate?
Depending on your situation and what caused the SR22 request, you may need it for any of the following reasons:
DUI or DWI conviction
Driving without insurance (or while underinsured)
Excessive violations or at-fault accidents
Excessive violations within a specific time frame
Serious car accident
If you found yourself required to apply for an SR-22 it is typically required to have for three years. This will change if you commit an additional violation during this 3 year period. But first, the only way to get an SR-22 is by purchasing car insurance. Start below and compare quotes from 30 companies now. It's free.
Can I buy a policy with an SR22 online?
Yes, these can be bought online along with your policy.
SR22 vs. FR44: What do I need?
States like Florida and Virginia may require a FR 44 rather than an SR-22. This is primarily based on your driving record. FR-44 is a certificate of financial responsibility proving you have car insurance. FR44 may require the liability to be higher than your state requirements.
What is a certificate of financial responsibility (CFR)?
A certificate of financial responsibility is an interchangeable terminology for SR22 insurance. This proves you have met your state’s minimum car insurance requirements for a specified amount of time.
Getting an SR-22 without a vehicle?
Step 1 would be to purchase non-owner car insurance. Step 2 file an SR-22. Non-owners car insurance is a liability insurance-only policy that covers an individual who does not own a car.
Can I get an SR22 today?
Yes, there are companies who will issue you one right away. Car insurance companies that specialize in and or accept high-risk driver types in most states are able to electronically send your SR-22 to the state the same day.
Driving Events that Cause SR-22 or FR-44 Certificates
DUI's and DWI Convictions
Along with your premium increasing your state will require an SR22 or FR 44 if you are in a state like Florida.
Caught Driving Without Insurance
Being a risk to others on the road is not a smart idea that is not good for anyone. If you are caught driving without insurance you will need to file for an SR22 certificate, buy car insurance and likely pay a higher premium or add higher than normal liability coverage.
Accumulating Excessive Driving Violations
Particularly within a certain amount of time or time frame.
Driving With a Suspended License
In most states, this is a serious violation and will likely cause you to purchase an SR22 certificate.
Serious Car Accidents
Particularly when or if you are at fault.
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