Everything You Need to Know About SR22 Insurance — Explained Simply

What is SR22 Insurance?

SR22 is not actually an insurance policy — it’s a certificate of financial responsibility that your insurance company files with your state’s DMV on your behalf.

It proves to the government that you carry the minimum required auto insurance. Think of it as your insurer vouching for you — telling the state you’re covered and legal to drive.

Most drivers must maintain SR22 for 2–3 years depending on their state and the violation that triggered the requirement.

You May Need SR22 If You Have:

✓  A DUI or DWI conviction

✓  Been caught driving without insurance

✓  Had your license suspended or revoked

✓  At-fault accident without coverage

✓  Received a reckless driving charge

✓  Too many points on your driving record

Get Notified

Your state DMV or court tells you that you need SR22 insurance.

Contact Insurer

Call your insurance company and ask them to file an SR22 on your behalf.

SR22 Filed

Your insurer files the SR22 directly with your state DMV — usually same day.

Stay Covered

Maintain your policy without any lapses for the full required period.