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What is SR-22 insurance?

SR-22 insurance is a type of certificate of financial responsibility that is required by some states for drivers who have been deemed high-risk. This includes drivers who have been convicted of DUIs, driving with a suspended license, or other major traffic violations.

An SR-22 is not an actual insurance policy, but rather a document that proves to the state that you have met the minimum liability insurance requirements. This means that if you are involved in an accident, you will have enough insurance to cover the other driver’s medical expenses and property damage.

Why do I need SR-22 insurance?

You may need to file an SR-22 if your state requires it as a condition of:

  • Reinstating your driver’s license after it has been suspended or revoked.
  • Obtaining a commercial driver’s license (CDL).
  • Avoiding jail time for a traffic violation.

How much does SR-22 insurance cost?

The cost of SR-22 insurance varies depending on your state and your driving record. In general, you can expect to pay an additional $100 to $300 per year for SR-22 insurance.

How long do I need SR-22 insurance?

The length of time you need to file an SR-22 will vary depending on the reason you are required to file it. In most cases, you will need to file an SR-22 for at least 3 years.

How do I get SR-22 insurance?

You can get SR-22 insurance from any insurance company that offers it. However, it is important to shop around and compare rates before you buy a policy.

What happens if I don’t get SR-22 insurance?

If you do not get SR-22 insurance when you are required to, you may face serious consequences, such as:

  • Your driver’s license may be suspended or revoked.
  • You may be unable to obtain a CDL.
  • You may be arrested and charged with a crime.


SR-22 insurance can be a hassle, but it is important to get it if you are required to. This will help you to avoid the serious consequences of not having it.

If you have any questions about SR-22 insurance, you should contact your insurance agent. They will be able to help you understand the requirements in your state and find a policy that fits your