SR-22 insurance explained
An SR-22 is a document that proves you carry the minimum car insurance required by your state. It is sometimes referred to as a "certification of financial responsibility." An SR-22 is normally required in order to restore a suspended license after a violation. Though you may have heard an SR-22 referred to as “SR-22 insurance,” it isn’t an insurance policy.
To make matters even more confusing, some insurance companies use the phrase “SR-22 insurance” as shorthand. An SR-22 is a certificate — a piece of paper or electronic document — your insurance company files on your behalf with the state after your license has been suspended.
Not everyone needs an SR-22. You might need to procure an SR-22 if you're found guilty of a serious traffic violation. Keep reading to learn more about how to find the best SR-22 insurance for you.
Key takeaways:
- Drivers with a suspended license due to a serious violation often require an SR-22.
- SR-22s are documents attached to your insurance policy proving you carry the state minimum required coverage.
- Car insurance companies file SR-22s for policyholders, though this process may incur a fee.
When do you need an SR-22 form?
Drivers with serious infractions on their record, including drivers with a suspended license, will likely require that an SR-22 form be attached to their car insurance policy. This form is typically ordered by a judge. However, if you're not sure whether you need an SR-22, below we list common reasons the form may be required:
- DUI or DWI conviction
- Ticket for driving without insurance
- Serious car accident
- Suspended or revoked license
- Too many points on your license
If you are charged with any of these infractions, it will likely be very clear on your paperwork (or explained by a judge) that you must now hold an SR-22. Most states issue SR-22s if you are charged with any of the above infractions, but not all. Follow the requirements set by the state you were required to file the SR-22.
SR-22s and insurance: what's next?
Most states only require drivers to hold an SR-22 for three years, as long as they steer clear of major moving violations during that period.
If you already have car insurance but need to add an SR-22, simply call your insurance company and request they file the paperwork for you. Most states require your car insurance company to file the SR-22 directly. If your current car insurance company isn't willing to file the SR-22 for you, you may need to find a new auto insurance provider.
If you’re shopping for car insurance, be aware that your insurance policy may need to meet some extra requirements. Attention to detail is critical when looking for the best SR-22 car insurance, as some insurance companies charge an additional fee to file an SR-22.


A: Yes, the agents at The Zebra can help you find insurance, even with an SR-22 or FR-44. Know, though, that insurance policies with an FR-44 may require increased coverage limits.
How much does an SR-22 cost?
Filing for an SR-22 is relatively inexpensive. Most insurance companies will charge a filing fee of $15 to $35. The primary cost is associated with the car insurance consequences of an SR-22. To an insurer, a driver with an SR-22 — or a driver in need of one — is riskier than one without. If you’re a high-risk driver, you'll pay more based on that predicted risk.
Assuming you need an SR-22 because of a common driving violation, your premium increase could range from $348 to $1,218 per year.
Accident/Violation | Average Annual Premium | Increase vs. Clean Record |
---|---|---|
Speeding 21 - 25 MPH Over Limit | $1,775 | $348 |
At-Fault Accident - Greater Than $2,000 | $2,115 | $687 |
Driving with a Suspended License | $2,367 | $940 |
Reckless Driving | $2,482 | $1,054 |
DUI | $2,520 | $1,092 |
Racing | $2,528 | $1,101 |
Leaving Scene of an Accident — Hit and Run | $2,645 | $1,218 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
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