What is SR-22 insurance?

SR-22 insurance, or an SR-22, 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.


Do I need an SR-22?

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

  • 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 time period
  • 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 state authorities, which may result in a 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If you do allow the coverage to cancel, your insurer will file an SR-26 with the state, indicating that your policy is no longer in effect.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, but a fee is not usually required at renewal. However, if you have allowed your policy to lapse at any point, you will be charged a fee to renew. Because the SR-22 requirement applies to specific individuals, a separate fee applies for each person required to have an SR-22.

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: SafeAuto can only file an SR-22 in the state where your car insurance policy has been issued. Not available in all states and situations.