What is an SR-22 and do I need one?

An SR-22 is a certificate your insurer files with your state proving you carry the minimum required liability insurance. It’s typically required after:

• A DUI or DWI conviction
• Driving without insurance
• Multiple at-fault accidents in a short period
• License suspension and reinstatement
• Failure to pay court-ordered child support (in some states)

How it works:

1. Your state notifies you SR-22 is required (usually after a license action)
2. Your insurer files the SR-22 with the state (most carriers charge a small filing fee, ~$25)
3. You must maintain the SR-22 for the required period — usually 3 years
4. If your coverage lapses, the carrier notifies the state and your license can be re-suspended

Things to know:

• SR-22 is a filing, not an insurance product
• Not all carriers write SR-22 policies; non-standard carriers (Direct Auto, The General, Dairyland) specialize
• SR-22 driver premiums typically run 20-50% above standard rates
• Once the SR-22 period ends, you can request the filing be removed and shop standard carriers