What is an SR-22?
Last updated: November 12, 2026
An SR-22 isn't a type of insurance. It's a form your insurance company files with your state to prove you carry at least the minimum required liability coverage. States usually require one after a serious violation.
Who needs an SR-22?
Common reasons include:
- A DUI or DWI conviction
- Driving without insurance, or an accident while uninsured
- Too many tickets or points in a short period
- Getting your license back after a suspension or revocation
The court or your state's driver licensing agency will tell you if you need one. A few states use a similar form with a different name, such as the FR-44.
How to get one
Ask your insurance company to file it. Not every insurer offers SR-22 filings, so you may need to switch. Insurers usually charge a small filing fee, but the bigger cost is the higher premium that comes with the violation behind it.
If you don't own a car, you can usually get a non-owner policy with an SR-22 to meet the requirement.
How long you need it
It's often around three years, but it depends on your state and the violation. If your policy lapses or is canceled during that time, your insurer has to tell the state, which can lead to another suspension. Keep the policy active until the requirement ends, and confirm the end date with your state before canceling.
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DriveCheaper may be paid by companies shown on this site. How we make money. This guide is general information, not insurance advice. Check details with your insurer or your state's insurance department.