SR-22 basics: what it is and how long you need it
It is not insurance. It is proof of insurance your state requires after certain violations.
An SR-22 is a certificate your insurer files with your state to prove you carry at least the required liability coverage. Courts or motor vehicle agencies commonly require it after a DUI, driving without insurance, serious violations or a license suspension.
How it works
- You buy an auto policy from an insurer that offers SR-22 filings, and the insurer files the form with the state.
- Insurers usually charge a small filing fee; the bigger cost is the higher premium tied to the underlying violation.
- If your policy lapses, the insurer must notify the state, which can suspend your license again.
How long
Requirements vary by state and violation, but three years is common. The clock may reset if coverage lapses.
Don't own a car?
A non-owner policy with an SR-22 filing can satisfy the requirement if you drive cars you don't own.
Florida and Virginia
These states use an FR-44 for certain alcohol-related offenses, which requires higher liability limits than an SR-22.
This guide is general information from Turbo Auto Quote, not insurance, legal or financial advice. Coverage rules vary by state and insurer.