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What is an SR-22?

An SR-22 is a form that’s filed with your state to show you have the minimum coverages of car insurance required by law. An SR-22 isn’t a type of insurance, but a document provided by your insurance company. It is also known as a “Certificate of Financial Responsibility.”

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

You would know if you need to file an SR22 because the state would notify you. Not every driver is required to file an SR-22. Although each state has its own requirements, typically, an SR-22 is required if you’ve been caught driving without valid car insurance or driving with an invalid driver’s license.

Other examples of circumstances that frequently require drivers to get 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 to keep your policy active, the SR-22 will remain in effect until the requirements for your state have been met. The average length of time required to have an SR-22 is 3 years.

What happens if my policy is cancelled?

If your policy is cancelled 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 cancelling your coverage. If your policy is cancelled, your insurer will file an SR-26 with the state, indicating that your policy is no longer in effect.

What is the difference between an SR-22 and an FR-44?

In the states of Florida and Virginia, an FR-44 is a “Certificate of Financial Responsibility” like an SR-22, but an FR-44 usually requires higher liability limits.

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 who require an SR-22, you will need an SR-22 for each driver.

Can I get an SR-22 if I don’t own a car?

Yes. If you require an SR-22 but don’t own a vehicle, SafeAuto can write a Non-Owner policy and add the SR-22 filing to that. This will protect you if you’re found at-fault in an accident while driving a vehicle not owned by you. A non-owners policy is not available on our website, but our licensed agents can assist you, 24/7.

How can I remove my SR-22?

If you need to remove or change your SR-22 filing, you can call us at 1-800-SAFEAUTO (723-3288).


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 (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.

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