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What is an SR-22?

SR-22 insurance, otherwise known as an SR-22, is a document that is issued by your car insurance company that validates that carry the minimum liability coverage required by your state. This ‘Certificate of Financial Responsibility’ isn’t a type of insurance, but rather a document provided by your insurance company that shows you have liability coverage on your car insurance policy.

How Do I know if I need to Get SR-22 Car Insurance?

An SR-22 is ordered by either the court or your state. If it’s court-ordered, the judge would notify you during your hearing that you are required to get it. If it’s state-ordered, typically, you would receive an official letter in the mail from the Department of Motor Vehicles that you are required to get an SR-22. This ‘Certificate of Financial Responsibility’, isn’t a type of insurance, but rather a document provided by your insurance company that highlights that you have liability coverage on your car insurance policy.

Not every driver is required to get SR-22 coverage. Although each state has its own requirements, typically, SR-22 insurance is required if you’ve been driving without valid car insurance or a valid driver’s license. Other examples of circumstances that frequently require drivers to get SR-22 compliant car insurance 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


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If you do allow the coverage to cancel, your insurer will file an SR-26 with the state, indicating that your policy is no longer in effect.


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.


SafeAuto can provide you with the best rates for SR-22 car insurance easily and quickly, regardless of the reason. Our goal is to get you back on the road again legally and safely. At SafeAuto, we understand that shopping for car insurance coverage can be stressful and pricy.

You can call a dedicated SafeAuto customer service representative at 1-800-SAFEAUTO (1-800-723-3288) to request an SR-22 to be filed at any time, as we are available to you 24 hours a day, 7 days a week. We’re also available to provide you with a car insurance quote that fits your needs and budget in as little as 3 minutes or less so that you can get back on the road.