If you’ve been told you need SR22 insurance, you may be wondering what it means and how to get it. Many drivers hear the term after a license suspension, DUI, or serious traffic violation, but the process can seem confusing.
The good news is that getting an SR22 filing is usually simple when you work with the right insurance agency.
At Upstate’s Choice Insurance, we help drivers quickly obtain SR22 filings so they can reinstate their license and get back on the road legally.
What Is an SR22?
An SR22 is not actually a type of insurance policy. Instead, it is a certificate of financial responsibility that your insurance company files with the state.
The SR22 form tells the state that you carry the minimum required auto insurance coverage.
If your insurance policy cancels or lapses, the insurance company will notify the state immediately.
States require SR22 filings for drivers considered high risk.
Why Would Someone Need an SR22?
Drivers are typically required to file an SR22 after certain traffic violations or license suspensions.
Common reasons include:
- DUI or DWI convictions
- Driving without insurance
- Too many points on your driving record
- Serious traffic violations
- License suspension or revocation
- At-fault accidents while uninsured
Once the SR22 is filed and your insurance is active, you can usually begin the process of reinstating your driver’s license.
How Long Do You Need an SR22?
In most cases, drivers must keep an SR22 filing for about 3 years, but this can vary depending on the state and the reason it was required.
During this time:
- Your insurance policy must remain active
- You cannot allow coverage to lapse
- The insurance company must keep the SR22 on file with the state
If the policy cancels, the state will be notified and your license may be suspended again.
What Is Non-Owner SR22 Insurance?
If you do not own a vehicle but still need to file an SR22, you can purchase Non-Owner SR22 Insurance.
This type of policy provides liability coverage for drivers who:
- Do not own a car
- Borrow or occasionally drive vehicles
- Need an SR22 to reinstate their license
Non-Owner SR22 policies are often more affordable than traditional auto insurance.
How Much Does SR22 Insurance Cost?
The SR22 filing itself is usually inexpensive. Most insurance companies charge a small filing fee (often around $25).
However, drivers required to carry an SR22 are often considered high risk, which can increase insurance premiums.
Factors that affect SR22 insurance rates include:
- Driving history
- Age and location
- Type of violation
- Coverage limits
- Vehicle type
Working with an independent insurance agency can help you compare multiple companies to find the most affordable SR22 insurance options.
How to Get an SR22 Filing
Getting an SR22 filing is usually a quick process:
- Contact an insurance agency that offers SR22 filings
- Purchase an auto or non-owner policy
- The insurance company files the SR22 with the state
- The state receives confirmation of coverage
Many drivers can complete the process the same day.
SR22 Insurance in South Carolina, North Carolina, and Georgia
If you live in the Southeast and need help filing an SR22, working with a local independent agency can make the process easier.
At Upstate’s Choice Insurance, we help drivers with:
- SR22 Insurance
- Non-Owner SR22 Insurance
- License reinstatement filings
- Affordable coverage options
We proudly serve drivers throughout South Carolina, North Carolina, and Georgia.
Get Help With Your SR22 Filing Today
If you need an SR22 filing, the process does not have to be stressful. Our team can help you quickly obtain the coverage required to reinstate your license and stay legally insured.
Contact Upstate’s Choice Insurance today to get a fast SR22 quote and filing.
Call or Request a Quote Today
Get back on the road with the right coverage and a team that understands the SR22 process.