An SR-22 filing is not insurance — it’s a state-required form your insurance company files with the DMV to prove you carry the minimum required liability insurance.

Here’s the simple breakdown:

✅ What an SR-22 Filing Is

• A document your insurance company files with the DMV.
• Shows you have active auto liability coverage.
• Required after certain violations, like:
  • DUI/DWI
  • Driving without insurance
  • Multiple traffic offenses
  • License suspension or revocation
  • At-fault accidents without insurance

✅ What It Does

• Lets the state reinstate or maintain your driving privileges.
• Puts you in a high-risk category, which may raise insurance rates.
• Requires continuous coverage—if your policy lapses, the insurance company must notify the state immediately.

⭐ Types of SR-22 Filings

• Owner’s SR-22: For vehicles you own and drive.
• Non-Owner SR-22: For people who don’t own a car but still need to reinstate their license.
• Owner/Operator SR-22: Covers any vehicle you drive, owned or not.

📅 How long you must carry it

Most states require 3 years, but it varies.