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SR-22, SR-22s, FR-44

An SR-22 is often required for a driver to reinstate or maintain their driving privileges after certain traffic-related offenses. It’s also sometimes known as an SR-22 or a Certificate of Financial Responsibility.
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What Is an SR-22?

An SR-22 is often required for a driver to reinstate or maintain their driving privileges after certain traffic-related offenses. It’s also sometimes known as an SR22 or a Certificate of Financial Responsibility. 


IS IT A TYPE OF CAR INSURANCE?

No. It’s a document that the insurance company sends to the state (electronically or on paper) to confirm that the driver has an active policy that meets state liability requirements.

ARE SR-22S EXPENSIVE?

The SR-22 itself is not typically very expensive. Though it varies by state, most insurance companies charge a processing fee of around $15 to $25. Some insurance companies won’t insure drivers who need an SR-22, or may add surcharges to the policy because of the SR-22 requirement, but that’s not generally the case. Since SR-22 availability and fees can vary by company, this might be a good time to shop around and get some comparison quotes.

How do I know if I need an SR-22?

An SR-22 is required when someone who was involved in an accident or convicted of a traffic offense is unable to show financial responsibility (in other words, they can’t prove that they’d be able to pay for damages they may cause while driving).

You might need an SR-22 if you’ve had any of the following:


  • A DUI or DWI or any serious moving violation

  • An instance of being caught driving without insurance and/or without a license

  • An at-fault accident while driving without insurance

  • Repeat traffic offenses or too many tickets in a short time period

  • A revoked or suspended license

Questions to Ask Your Agent

Your independent agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:



  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)

  • What is the insurance company’s level of service and ability to pay claims?

  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)

  • What’s the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

CONTACT FORM

Please feel free to contact us for a free no obligation quote. Someone will get back to you within 24 hours.

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