What is SR-22 Insurance? Why Might You Need It?

Insurance is always all about being completely prepared and protected for the unexpected. So, when you are asked to get an SR22, SR 22 insurance, or an SR-22 form, would you know what to do? SR-22 insurance is a certificate that proves you are carrying car insurance. Some people refer to it as SR 22 vehicle insurance or certificate of financial responsibility (CFR) filing. The SR22 states you are meeting your residential state’s car insurance coverage requirements for driving over a specified time.

WHO NEEDS SR-22 Insurance?

Not every motor vehicle rider requires an SR-22. Laws vary by state, but in general, drivers might need to have their insurance company file an SR-22 form with the state department under the circumstances that their state deems fit.

General circumstances that result in an SR22 insurance requirement include the following:

1. DUI or DWI or other major alcohol violation conviction
2. Serious moving violation conviction, such as reckless or negligent driving
3. Several traffic offenses in a short period
4. Driving without insurance conviction
5. Being involved in an accident while driving without insurance
6. Being caught by the state not carrying car insurance on your registered vehicle
7. A requirement for you to obtain a hardship or probationary license
8. A requirement to reinstate your driver’s license after a suspension or revocation

Meeting the SR22 requirements can help get your license and registration reinstated and put you back on the road. You will know it is required when you are informed by the state or a court of law. The notification should inform you as to why an SR22 is essential, the insurance requirements, and how long the SR-22 form should stay on file with the state.

The FR44 form is similar to the SR22 but requires drivers to carry much higher liability limits. It is currently only needed in the States of Florida and Virginia for drivers who have been convicted of various alcohol-related violations. Since an SR-22 is mandatory for these offenses, it usually results in a surcharge on your auto insurance.


SR-22 terms and requirements vary by state, but here are some guidelines to keep in mind:

You would likely need to have SR-22 insurance showing continuous insurance coverage for about three years (longer in some states). If your policy lapses beyond or expires during this period, your insurance company must acknowledge the state. Failure to comply with the terms of the SR-22 might result in the suspension of your license. Once you properly fulfill your state’s time requirements, your SR-22 status is usually lifted.

You must know what state requires what documents for their vehicle riders. Being safe is better than being sorry, and in the case of state-mandated document requirements, it is wiser to be safe!