SR-22 Insurance Explained Who Needs It and Why 

An SR-22 certificate is not a type of insurance but rather a form filed by your auto insurer with your state’s Department of Motor Vehicles (DMV) to prove that you carry the minimum required liability coverage. It’s often required for drivers deemed “high-risk” due to serious traffic violations.

Who Needs an SR-22?

Drivers may be required to file an SR-22 after offenses such as DUI or DWI convictions, reckless driving, driving without insurance or accumulating multiple traffic violations in a short period. The requirement is typically court-ordered or mandated by the state, and it verifies that the driver maintains continuous insurance coverage for a specified period—usually three years.

How It Affects Auto Insurance

Having an SR-22 on file can significantly impact your auto insurance. Insurers often view SR-22 filers as high-risk, which can lead to increased premiums. Additionally, not all insurance companies offer SR-22 filings, so drivers may need to switch providers or seek out specialized insurers.

Nonowner SR-22 Policies

Even if you don’t own a car, you may still be required to file an SR-22. In such cases, a nonowner SR-22 policy offers liability coverage when driving a vehicle you don’t own to comply with state regulations.

Why It Matters

Failing to maintain an SR-22 can result in license suspension, additional fines or extended filing periods. It’s a legal mechanism to verify that high-risk drivers remain financially responsible while on the road. Understanding SR-22 requirements is crucial for those affected, as it directly influences driving privileges and insurance costs.

Learn More

To learn more about auto insurance, contact Driven Insurance Services.

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.