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IN PLAIN ENGLISH

An SR-22 is an extra certification proving that your policy meets your state’s minimum car insurance requirements.

 

What is SR-22 insurance?

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 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.

Do you need an SR-22 form to get car insurance?

SR-22 certificates are typically ordered by a judge.

If you aren’t sure whether you need an SR-22, below are common reasons the form might be required:

  • DUI or DWI conviction
  • Ticket for driving without insurance
  • Serious car accident
  • Suspended or revoked license
  • Too many points on your license

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. 

 

How much does an SR-22 cost for insurance?

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/ViolationAverage Annual PremiumIncrease 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

 

SR-22 and auto insurance: FAQs

 

What states don’t require SR-22s?

Most states require an SR-22, with the exceptions being Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania. If you move from a state that requires an SR-22 to a state that does not, you will typically still need to follow the requirements of the state that first required you to file an SR-22.

What happens if I have a lapse of coverage with an SR-22?

In states that require SR-22s, you will need to maintain continuous insurance coverage with an SR-22 for two to five years depending on the state you reside in and the reason for the SR-22. If you have a lapse of coverage of any kind, your insurer is legally obligated to notify the DMV and your license will be suspended.

How much does an SR-22 form cost?

An SR-22 certificate is typically available at a nominal cost — often $25. While the fee itself is small, the unfortunate reality is an SR-22 may increase the overall cost of your car insurance. If you're looking for more affordable insurance rates, use our auto insurance quote comparison tool to find the ideal policy.

What if I don't own a vehicle but still need an SR-22?

You might find yourself in a situation in which you don't own a vehicle but the state requires you to obtain an SR-22. In this case, you'll want to purchase a non-owners insurance policy and attach an SR-22, just like you would a regular policy. Car insurance follows the vehicle, but a non-owners policy is akin to a basic state minimum policy that allows you to legally drive any vehicle. Not all companies offer this type of policy but plenty do.

For how long is an SR-22 certificate valid?

SR-22 forms typically stay valid for up to three years. This may vary by state, so be sure to consult your local DMV to confirm. You may need to contact your insurance company to issue a new SR-22 certification if yours expires. 

What's the difference between an SR-22 and an FR-44?

Certain states require drivers to obtain FR-44 forms in place of SR-22s. To get an FR-44, you'll need to acquire and maintain an insurance policy with coverage totaling at least twice the state's minimum liability limit. States requiring FR-44 certifications include Florida and Virginia. 

Is an SR-22 the same as a Certificate of Financial Responsibility (CFR)?

Yes. An SR-22 form is the equivalent of a Certificate of Financial Responsibility — more commonly known as a CFR.

 

SR-22 insurance rates by state

AlabamaAlaskaArizonaArkansasCalifornia
ColoradoConnecticutWashington DCFloridaGeorgia
HawaiiIdahoIllinoisIndianaIowa
KansasLouisianaMaineMarylandMassachusetts
MichiganMississippiMissouriMontanaNebraska
NevadaNew HampshireNew JerseyNorth DakotaOhio
OregonRhode IslandSouth CarolinaSouth DakotaTennessee
TexasUtahVermontVirginiaWashington
West VirginiaWisconsinWyoming 

 

 

Methodology

Between September and December 2017, The Zebra conducted comprehensive auto insurance pricing analysis using its proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra examined nearly 53 million rates to explore trends for specific auto insurance rating factors across all United States zip codes, averaged by state, including Washington, DC.

Our analysis employed a consistent base profile for the insured driver: a 30-year-old single male driving a 2013 Honda Accord EX with a good driving history and coverage limits of $50,000 bodily injury liability per person/$100,000 bodily injury liability per accident/$50,000 property damage liability per accident with a $500 deductible for comprehensive and collision. For coverage level data, optional coverage (that must be rejected in writing) is included where applicable, including uninsured motorist coverage and personal injury protection.

National property and casualty loss information comes from the III and the NOAA National Centers for Environmental Information U.S. Billion-Dollar Weather and Climate Disasters report.

Vehicle make and model data references the most popular vehicles in the U.S. by 2016 year-end sales, according to Goodcarbadcar.net’s automakers’ data.

Some data may vary slightly throughout the report due to rounding.

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Recent Questions:

Is a police report required when a parked car is hit?

Texas law states you must file a police report if the accident resulted in physical injury (or death) or property damage exceeding least $1,000. If your daughter is filing an uninsured motorist claim (i.e., a hit and run), I recommend filing a police report.
Jun 17, 2019 Terrell, TX

I gave someone the wrong insurance information after an accident

Travel insurance is really only designed to reimburse you the unused value of your trip plus pays the cost of one-way airfare up to the plan's limit. So, that wouldn't apply in a car accident.
May 9, 2018 Austin, TX

If I backed into a car in the parking lot and didn't leave my information, am I able to provide my information at a later date?

in the state of Arizona, you technically have up to 2 years from the date of the incident to file a claim. While I would not recommend waiting that long, the point is that you are still well within the window to have your insurance cover the other vehicle's damage.
May 14, 2017 Tempe, AZ

If I accidentally drove my car through a neighbor's fence, will my insurance company pay for the damage?

The liability portion of your policy is intended to pay for damage that you cause to another vehicle or property. This should include fixed objects like street signs, fire hydrants, and in your case, a fence.
Jun 12, 2017 St George, UT

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 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.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.

Ava Lynch
Ava LynchSenior Analyst

Ava worked in the insurance industry as an agent for four-plus years.

Ava currently provides insights and data analysis as one of The Zebra's property and casualty insurance experts. Her work has been featured in publications such as U.S. News & World Report, GasBuddy, Car and Driver, and Yahoo! Finance.