What is SR-22 Insurance and Who Needs It?

SR-22 insurance isn’t a type of insurance. It’s a certificate of financial responsibility that your insurance company files with the state on your behalf to verify that you carry the minimum required auto insurance coverage. 

Who Needs SR-22 Insurance?

SR-22 insurance is typically required for drivers who have been deemed high-risk by the state. If you must file SR-22, you will receive notice from your state’s Department of Motor Vehicles or a judge. Here are some common scenarios where you might need an SR-22:

• DUI or DWI convictions—If you’ve been convicted of driving under the influence or driving while intoxicated, you may be required to file an SR-22.

• Serious traffic violations—Major infractions, such as reckless driving or causing an accident while uninsured, can lead to an SR-22 requirement.

• License suspension or revocation—If your driver’s license has been suspended or revoked, you might need an SR-22 to reinstate it.

• Multiple traffic offenses—Accumulating too many points on your driving record in a short period can result in the need for an SR-22.

• Driving without insurance—Being caught driving without the required insurance coverage can also trigger an SR-22 filing.

If you learn that you must file SR-22, notify your insurer immediately. Failure to file before the deadline could result in license suspension and fines. Not all insurance companies offer SR-22 filings, so you may also need time to shop around.

There is usually a fee associated with filing an SR-22, which varies by state. Once the SR-22 is filed, you must maintain continuous insurance coverage for the duration required by the state, typically three years.

The Impact of SR-22 on Your Insurance Rates

An SR-22 requirement can significantly impact your insurance premiums. Because an SR-22 is often required for high-risk drivers, insurance companies may view you as a higher liability, resulting in higher rates. However, maintaining a clean driving record and adhering to the terms of your SR-22 can help improve your standing over time.

Contact Us

Contact Bargain Insurance Connection in Kansas City, Missouri, for an auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.