What an SR-22 is
An SR-22, sometimes called a certificate of financial responsibility, is a form an insurance company files with your state's motor vehicle agency on your behalf. It confirms that you have an active policy that meets the state's requirements.
Not every insurer offers SR-22 filings, which is one reason drivers call an agent who can check several options.
When a state may require one
Requirements vary by state, but an SR-22 is commonly ordered after:
- A DUI or DWI conviction
- Driving without insurance, or an accident while uninsured
- Serious or repeated traffic violations
- A license suspension or revocation, as a condition of reinstatement
Your court or motor vehicle agency notice tells you whether you need one and for how long. Florida and Virginia use a similar form called the FR-44 for some violations, which usually requires higher liability limits.
How the filing works
- You buy or update a policy with an insurer that files SR-22s in your state.
- The insurer files the SR-22 electronically or on paper with the state.
- You keep the policy active for the whole period your state requires.
If the policy lapses or is cancelled, the insurer is generally required to notify the state, which can lead to another suspension. Ask the agent about any filing fee and how long the filing must stay in place.
If you don't own a car
Some insurers offer a non-owner policy with an SR-22 for people who need the filing to reinstate a license but don't own a vehicle. Ask the agent whether this is available in your state.
Questions
Is SR-22 a kind of insurance?
No. It is a certificate your insurer files with the state to prove you carry the required coverage.
How long do I need an SR-22?
Your state sets the period, and it is often several years. Check the notice from your court or motor vehicle agency, and keep your policy active the entire time.
Can I get an SR-22 if I don't own a car?
Often, yes, through a non-owner policy. Availability depends on the insurer and your state.
