Home · What is an SR-22?
What is an SR-22?
An SR-22 is not a type of insurance. It is a certificate your insurer files with the state to prove you carry at least the required liability coverage.
What an SR-22 actually is
An SR-22 is a Certificate of Financial Responsibility. After certain violations, a state may require proof that you carry the legally mandated minimum auto-liability coverage. Your insurance company files the SR-22 form with the state on your behalf and notifies the state if the policy lapses or is cancelled. The SR-22 itself is the proof; the actual protection is the underlying liability policy.
Who typically needs one
States most often require an SR-22 after events such as a DUI or DWI conviction, driving without insurance, an at-fault accident while uninsured, repeat serious traffic offenses, or a license suspension or reinstatement. The exact triggers and the required filing period are set by each state — you can look up your state's rules on its state page.
How long you have to carry it
Most states require the SR-22 to stay on file for a set number of years of continuous coverage — commonly around three years, though it varies by state and offense. If coverage lapses during that window, the clock can reset and the state is notified, which may lead to another suspension.
SR-22 vs. FR-44
A few states use a separate form, the FR-44, for alcohol-related convictions. It works like an SR-22 but generally requires higher liability limits. Whether your state uses an FR-44, and at what limits, is listed on each state page.
Non-owner SR-22
If you don't own a vehicle but still need to file — for example, to reinstate a license — many states allow a non-owner SR-22 tied to a non-owner liability policy.
What it costs
The filing fee charged by insurers is usually small (often around $15–$25). The larger cost is typically the higher insurance premium that comes with the violation that required the filing in the first place, plus any state reinstatement fees. Exact fees are on each state page.
This page is general information, not legal or insurance advice. Confirm your specific obligation with your state agency or insurer.