Despite the name, an SR-22 is not a type of insurance. It is a form your insurer files with the state to certify that you carry at least the minimum required liability coverage.
When it is required
- After a DUI or DWI conviction
- Driving without insurance
- Multiple serious traffic offenses
- A license reinstatement after suspension
How it works
- The state notifies you that an SR-22 is required.
- Your insurer files the certificate, usually for a small fee.
- You must keep continuous coverage, typically for three years.
What to expect
A lapse can restart the clock and trigger another suspension. Because an SR-22 signals higher risk, premiums rise, but the increase fades as the requirement ends and your record improves. Not every insurer files SR-22s, so you may need to shop for one that does.