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What is an SR22?

By Posted : May 5, 2020

What is an SR22 insurance form?

An SR22 certification is a form that is filed with the state, not a type of insurance.

An SR22 certificate of financial responsibility verifies that the named individual is carrying at least the state-mandated amount of car insurance. The insurance company is guaranteeing to the state that you're maintaining coverage and are financially responsible for any accidents, and it will let the state know if you do not.

Where do you get SR22 insurance?

The only way to obtain an SR22 form is from a car insurance company after you purchase a car insurance policy. You cannot obtain an SR-22 any other way.

If you have an existing auto policy, you may be able to have the SR22 added on and filed with the state. If your insurance company doesn't file the form, or you're uninsured, you'll have to shop for a new policy. Learn how to buy SR-22 insurance first so there are no surprises.

How much does SR22 insurance cost?

Car insurance companies can charge a one-time filing fee, generally it is $25, and that is all the SR22 form will cost you. 

However, the violation that resulted in an SR22 requirement will affect your auto insurance premium.  In short, it’s your infraction -- not the SR22 -- that will hike up your rates. Your rate will jump by an average of 89% for an SR22 filing with one DUI, or about $1,300 more, a year, according to a rate analysis by Insurance.com.

State Average Rate SR-22 Rate Percent Increase Dollar Increase
North Carolina$1,170$5,563375%$4,393
North Dakota$1,123$2,00378%$880
New Hampshire$1,156$2,00874%$852
New Jersey$1,419$3,851171%$2,432
New Mexico$1,498$2,73583%$1,237
New York$1,214$1,85453%$640
Rhode Island$2,011$3,62780%$1,616
South Carolina$1,353$2,37976%$1,026
South Dakota$1,250$2,24780%$997
West Virginia$1,467$2,76789%$1,300

With either an SR22 or FR44, the car insurance company will make sure you buy the appropriate amount of coverage to comply with your mandated insurance requirements.  If these are higher than the limits you usually carry, then expect to pay more.

Also, be aware that your state, or insurer, may require you to pay in full when your car insurance policy includes an SR-22 or FR-44 filing. 

How long is an SR22 insurance form required?

The good news in all of this is that the SR22 requirement doesn’t last forever, just one to five years.

The length varies by state, and in some states according to the offense.  Commonly the SR22 is required for three years. When the clock starts on your time period also varies by state; it may begin with the offense date, conviction date, suspension date or the date when you reinstated your license.

Make certain you know how long the SR22 is required because if you cancel your car insurance policy before that time is up, the insurer will inform the state and you’ll be punished.  Your license and/or registration may be suspended or revoked and the clock could start again on how long the SR22 must be maintained.

Another bit of good news is the offense that resulted in the SR-22 being required, and that raised your rates, won’t haunt you forever.  When the violation falls off your driving record, your car insurance rates will go down as well.

What if you move or are required to carry SR22 insurance in another state?

Not every state uses an SR22 certificate of financial responsibility.  The SR22 filing is not used in:

  • Delaware
  • Kentucky
  • Minnesota
  • New Mexico
  • New York
  • North Carolina
  • Oklahoma
  • Pennsylvania

Of the states that do not use an SR22, each has its own version of the form and insurance requirements.

If you have an SR22 in one state and move to another state, normally you’ll still be required to meet the requirements of the SR-22 state where the offense was committed.  That means you’ll need to look for an out-of-state SR-22 filing from a nationwide auto insurance carrier. 

If you live in a state that doesn’t use SR-22 filings but are mandated to carry an SR-22 in another state, normally you’ll be unable to obtain an SR-22.  In this situation, you’d need to work with the requesting state to get permission to provide, in lieu of an SR-22, certified documentation showing that your car insurance policy meets or exceeds the limits you’re being required to carry.

How to buy an SR22 insurance policy: Compare SR22 insurance quotes by company

If the violation is serious, which most on the SR22 list are, you can expect your car insurance rates to go up drastically. That doesn’t mean you can’t shop around – in fact, the rates for drivers like you can vary by thousands of dollars – but you will need to compare car insurance quotes from companies that offer SR22 filings. The cost of SR22 insurance can be more expensive if you don't shop around.

You'll see in the chart below that the increase to your rate varies by quite a bit among companies. The average base rate here is for a driver of a 2017 Honda Accord with full coverage carrying a $500 deductible on comprehensive and collision.

CompanyAverage base rateRate with SR22 with DUIAverage increase
State Farm$1,186$1,88959%

Not all companies will file an SR-22 certificate. And many companies may not want to insure a driver with a major infraction on his or her record. You need to compare car insurance quotes and select a car insurance company.

But the good news is that many major carriers are SR-22 insurance companies, meaning they will provide you with a policy and file the form with the state or legal entity on your behalf. This isn’t a complete list, but will give you a spring board if you are researching SR-22 insurance companies.

  • Dairyland
  • Safe Auto
  • Infinity
  • Direct
  • Progressive
  • Geico
  • The General
  • Allstate
  • State Farm
  • Nationwide

Once you select a company, they will file the SR22 certificate on your behalf.

If you don’t own a car or have access to one, we can sell you non-owner car insurance that will satisfy SR22 requirements. Call Insurance.com to compare quotes at 844-520-1574 and let a licensed agent provide you quotes from multiple top carriers.

You can get proof of insurance almost immediately by e-mail, and the car insurance company you choose will file an SR22 or other required state filing on your behalf if you need it.