What is SR-22 insurance?



An SR-22 is a financial responsibility certification frequently required by the state when an individual without liability insurance is involved in an accident or is otherwise found to be without legally required coverage.

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If you do allow the coverage to cancel, your insurer will file an SR-26 with the state, indicating that your policy is no longer in effect.

SafeAuto® can help you obtain the correct documentation*. This will ensure that you are legally able to drive again with affordable car insurance!

Do I need SR-22 insurance?

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 can I get an SR-22?

The state is notified if you allow the policy to lapse or cancel. Contact a sales or customer service representative at 1-800-SAFEAUTO (723-3288) to request an SR-22 to be filed anytime, 24 hours a day, 7 days a week.

How long will my SR-22 remain valid?

Each state has its own requirements for the length of time that an SR-22 must be in place. So long as you pay the required premium and keep the policy active, the SR-22 will remain in effect, until the requirements for that state have been met. If your policy is canceled while you are still required to carry an SR-22, we are required to notify state authorities, which may result in a suspension of your driving privileges.

Are there any fees for filing an SR-22?

Most states require a relatively modest filing fee when the SR-22 is initially filed, but is usually not required at renewal. However, if you allow your policy to lapse at any point, the fee will again apply. Because the SR-22 requirement applies to specific individuals, a separate fee applies for each person required to have an SR-22.

Note: that SafeAuto can only file an SR-22 in the state where your car insurance policy has been issued. SafeAuto provides free car insurance quotes to all drivers

* Not available in all states and situations