SR22 Insurance

Need an SR-22? We can help. Get a quote for auto insurance with an SR-22 today.*

Man in driver's seat with the window down and his arm resting on the door frame

What is SR22 insurance?

An SR-22 is not actually a type of insurance. Instead, it's a certificate of financial responsibility required for certain drivers to prove they have met their state's car insurance law. The insurer files this certification on the driver's behalf and renews it with each policy renewal for however long it's needed.

Who needs an SR22?

Not every motorist needs one. An SR-22 requirement is only for those who are state or court-ordered to file one after such offenses:

DUI or DWI
Suspended license
Lacking auto insurance coverage
Serious driving violations

Florida and Virginia also use FR-44 certification for DUI and DWI offenses.

Get an Affordable SR22 Insurance Quote with Direct Auto

We offer affordable auto insurance rates with same-day SR-22 filings to help get you back on the road again quickly.*

How much does an SR22 cost?

An SR-22 requirement comes with two general costs:

SR-22 filing fee: Expect to pay around $25 to file an SR-22, though the cost may vary by state and insurance company. You'll pay this at every renewal until your SR-22 is no longer required.
Insurance premium: SR-22 drivers often see a policy rate increase because of the "ding" on their driving record. However, your ZIP code, vehicle type, and coverage choices affect car insurance costs, too.

SR22 Frequently Asked Questions

What happens if I don't get SR22 Insurance?

Not filing an SR-22 when you're supposed to can have serious consequences, like car impoundment, fines, loss of driving privileges, and even arrest. Therefore, it's essential to comply with SR-22 regulations.

How long do I need to maintain SR-22 insurance?

The length of time you need to maintain an SR-22 filing varies by state and the nature of the violation. In most cases, it's at least three years, but it could be five or longer. Your local DMV can tell you exactly how long yours is required.

Can I remove the SR-22 requirement early?

Because the SR-22 requirement is state or court-ordered, it's only possible to end the probationary period earlier if your conviction is overturned and the SR-22 is determined to no longer be needed.

What happens if I let my SR-22 insurance lapse?

Your insurance company is required to notify the DMV immediately if your auto policy lapses. Doing so can result in your driver's license being suspended or revoked, and you may face fines and other penalties for driving without insurance. Additionally, your SR-22 period may start over.

Can I get an SR-22 if I live in a different state?

You'll still need to maintain an SR-22 filing in your old state after you've moved to a new one, even if the new state doesn't have an SR-22 requirement. Rest assured, we're here to help you file your SR-22 properly.

Can I switch insurance companies with an SR-22?

Yes, you can change your auto insurance company like you normally would. Just be sure you maintain continuous coverage without a lapse when you switch. To see how much you could save by switching to Direct Auto, call, click, or come in for a free auto insurance quote with an SR-22 filing today. We work hard to help you get back on the road again with everything you need to drive legally.