Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

Full Bio →

Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Jul 19, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

SR-22 Auto Insurance: What You Should Know

If you have never heard of the term SR-22, you have probably been able to remain on the right side of the law. However, if you have been advised that you must file an SR-22, the chances are you have a less-than-perfect driving record, and your state may require you to get one.

The goal with this page is to help educate you on SR-22 insurance.

SR-22 Certificate of Insurance

Sometimes referred to as a certificate of insurance an SR-22 is an auto liability document of insurance that is required by most states through the department of motor vehicles – DMV.  SR-22 is generally for what is called by most auto insurance companies and agents as “high risk” insurance policies.

SR-22 Car Insurance & DUIs

SR-22 is not insurance. SR stands for “safety responsibility” and it is a financial responsibility certification issued by an insurance company that states that you have minimum insurance coverage. Most, not all, states require the SR-22 and have a standard coverage period of up to 3 years. Although the SR-22 is issued to high risk drivers, it is not a special car insurance plan in the sense that you have to agree to extraordinary insurance terms.

The DUI/DWI insurance will take into consideration the DUI offense and remove certain aspects to protect the insurance company while the SR-22 is a mark on your driving record that police authorities and the insurance company have. If you decide to change your insurance provider, your current insurer is required to inform the chosen insurance company of your DUI offense.

How much is SR-22?

The SR-22 is filed annually and has a cheap fee of $15 to $25. In some states, it is higher but does not go above $50.

Where can I get the SR-22 insurance quotes?

Look first for an insurance company that issues non-standard insurance. Once you confirm this, you can visit their website and get an online quote.

What about SR 22 quotes without owning a car?

This is also known as non-owner SR 22 insurance. If you are a convicted DUI/DWI offender, you will be required to get an SR-22. You cannot get an SR-22 without buying insurance. The non-owner car insurance is only open to those who do not have a car or access to a car on a regular basis. It basically offers liability insurance and depending on the chosen provider or carrier, may or may not have health or medical coverage.

It does not cover the following:

  • Physical damages
  • Any car under your name
  • Any car registered under a person living in your home


Being among the largest auto insurance companies in the country, Allstate offers an extensive selection of coverage options and discounts. Motorists may qualify for discounts in spite of their driving history including those for vehicle safety features and auto-payments.

In addition, if you were an Allstate customer prior to the SR-22 requirement you can be eligible for rebates despite your poor driving record.


Like Allstate, Geico offers particular guidance for customers who require an SR-22. This company is also among the cheapest with a long history of satisfied clients.

The company also gives various discounts to federal employs and members of the military.


Like other auto insurance companies, Progressive offers SR-22 filings. However, they do not support out of state filings. This company also sells many specialty policies.


This company offers an excellent online interface that is well-built and user-friendly that you do not need to call an insurance agent. Their rates are highly competitive and they offer a fast SR-22 filing process.

State Farm

Besides enjoying excellent customer ratings and claims processing, State Farm is also the leading auto insurance company in the country. Their rates are also competitive, and the SR-22 filling process is also fast.

What is SR-22 Car Insurance?

Although most motorists mistake the SR-22 as an actual type of insurance, it is not.

The SR-22 is basically a document that your auto insurance company files on your behalf with the state’s Department of Motor Vehicles (DMV) to assert that you have the required insurance coverages in effect and that you will continue to meet these coverages for a specified amount of time (usually 3 years).

How do you get an SR-22?

Since SR-22 is largely linked to serious traffic violations, acquiring and filing it is not as easy as sending a standard proof of your car insurance to your state’s DMV. First, you will need to contact your insurer to notify them of your need for an SR-22 certificate.

If your insurer does not file SR-22s, you may need to terminate your current policy and purchase another one with another insurer that will file the SR-22 for you.

Worth to note is that an SR-22 requirement will usually change your insurance risk to high, which implies that your insurer may opt not to file an SR-22 for you because they do not cover high-risk drivers.

How much does SR-22 cost?

The filing fee for an SR-22 varies from state to state. Generally, it costs around $25 but can range anywhere from $17 – $45 based on various factors. Typically, you car insurer will file it for you and then pass the fee along as part of the premium.

If you are ordered to file an SR-22, contact your insurance agent or company regarding any filing charges and any changes in their policy.

While the actual filing cost may be small, nobody wants to file an SR-22. Things such as legal consequences, administrative requirements, and higher premiums can make your life extra harder. Luckily, if you play by the rules while you are required to file your premiums can return to normal and of course, your status.

Why do you require an SR-22?

Car insurance coverage requirements differ from one state to the other. However, there are a few instances where the state or the court may require you to file an SR-22.

  • Driving without insurance. If you get into an accident and cannot produce proof of insurance coverage, you will undoubtedly have to file an SR-22.
  • Driving under the influence (DUI). DUI is classified as a misdemeanor and most often you will be required to file an SR-22 if you are caught driving under the influence of alcohol.
  • Multiple traffic offenses. If you have been pulled over multiple times for reckless driving or over speeding you might need an SR-22.
  • Suspended license. If you want to reinstate your driver’s license after a revocation or suspension, you might have to file an SR-22.
  • Collecting too many  DMV points

How long should you carry the SS-22?

Although the duration varies from one state to the other, SR-22s are typically required for a minimum of three years.

However, if you are involved in another situation that requires SR-22 filing or commit another violation, you may be required to file your SR-22 for longer.

Which states offer SS-22 programs?

Not all states require motorists to acquire an SR-22 certification. If you live in Delaware, Kentucky, Minnesota, Pennsylvania and many others states, you are not required to obtain an SR-22.

And while the paperwork does not have to be filed, the core impact on future car insurance rates will still be felt.

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

While FR-44 is similar to SR-22 and, it is used only in Florida and Virginia currently when you have been convicted of specific alcohol-related offenses. FR-44 provides evidence of financial responsibility but requires that the driver bear higher minimum liability limits in each state.

These higher limits might be deemed harsh especially in Florida where they are almost ten times the statutory minimum, but the intention is to ensure that motorists have insurance coverage at all times. How does SR 22 car insurance work? What is the process?

The requirements and processes of the SR-22 vary from state to state. However, the standard policy is that insurance coverage to DUI/DWI offenders and other serious driving related issues require the car owner and/or driver to get an SR 22 with his car insurance. The insurance company is tasked with monitoring the SR 22 including advising the state of changes in the SR 22.

Typically, you will have to fill up an electronic SR 22 form, pay an annual bond, secure the SR 22 certificate, buy the DUI/DWI insurance and maintain a good driving record for at least 3 years. Being a “red flag” on your driving record, the SR 22 will automatically pop up whenever you figure in a driving violation.

Other problems you may encounter with an SR 22 in your driving record is ineligibility for discounts or incentives from insurance companies, your license may be suspended, or you may have to submit to certain conditions to retain your driver’s license like taking a breath test before driving.

What happens if you relocate to a different state and still have an SR-22?

If you are relocating to a different state and you have an SR-22 filed, you will need to satisfy the SR-22 requirements of the state where you originally filed the SR-22 form. To do this, you will require an auto insurance company that is authorized to conduct business and file SR-22s in the two states.

Your auto insurance policy must also meet the legal minimum liability requirements of your new state. However, if the state that you are relocating to does not need you to file your SR-22, then you might have to confer with the new state’s DMV of what you have have to do in order to conform with its regulations. SR-22 Forms

Most SR-22 forms are electronically filed but you will have to personally ask your carrier if they do this or will require you to drop by their office to personally file the SR-22 blank forms. The certificate of insurance form basically requires you to promise to pay for car insurance for the next 3 years as a convicted DUI offender.

Once you renege on your car insurance payments, the insurance company is forced to report your delinquency status to the authorities and this will create a bigger problem for you whether you run a red light, figure in another DUI, or get a speeding ticket.

The SR-22 is a simple, no fuss legal document that auto insurance providers require DUI offenders to submit annually.

What if you do not own a car?

Even if you do not possess a vehicle, you can still be obliged to carry a non-owner SR-22 insurance policy that complies with your SR-22 filing obligation. Under the normal SR-22 policy, you own and insure a car; however, with the non-owners policy you do not own or have access to a car that you can insure. What is Breathe Easy?

In California, Breathe Easy is fast gaining acceptance and recognition for their friendly and professional services. They don’t just offer insurance; they offer insurance solutions so you can get back on your feet as soon as possible.

They are an SR-22 company with a quick SR-22 filing process. The cost of SR-22 insurance is guaranteed to be flexible and affordable. It starts with submission of basic data on their website that only requests for your name, email address, and any comments you may want to add such as the DUI/DWI offense.

Get a quote for my SR-22

Insurantly connects you with licensed agents to find you a great rate. Start your auto insurance quote online by entering your zip code now.