SR-22 Car Insurance: How It Works

What is an SR-22? The short answer is that it’s a government form that is required for certain drivers to obtain and maintain their driver’s license. Different states have different rules and approaches to the SR-22 form.  In some states you may be requested to provide an FR-44, which is similar to an SR-22.  Confused yet? Compare.com can walk you through the confusing world of these state insurance forms.

When do you need an SR-22?

If you have had a DUI, lost your license for any reason, been caught driving without car insurance, or had a prolonged lapse in your car insurance coverage, you may be required by your state’s department of motor vehicles to acquire an SR-22 and present that to your local DMV. The purpose of the form is to provide proof that you are insured because a restriction has been placed on your license which states that you must be insured in order to maintain a valid driver’s license. Without your SR-22, you can’t legally drive.

Acquiring and maintaining your SR-22

Budgeting ExpensesTypically, you get this form from an insurance agency, but be advised: most insurance providers charge a fee for the form. It’s not uncommon to see fees of $50 or more, but they tend to average around $25.  Not all car insurance providers offer this form, so you may need to make a couple calls to find an insurer that can provide this document. The reason for that is drivers who need SR-22’s are considered high-risk or non-standard risk drivers. These drivers are not viewed as ideal customers by many insurance agencies, but some insurance companies have been created to specifically serve high risk or non-standard drivers.

If you’re already insured you can may be able to get the form from your insurer, if you aren’t currently insured you’ll need to acquire auto insurance that meets or exceeds your state’s required minimum limits for liability coverage.

You should also be aware that being required to provide an SR-22 is not usually a one-time deal. If you’re required to have one, then odds are you’ll have one for a while – 3 years is the typical length of time drivers are required to provide the form.

SR-22’s do expire, so you’ll need to pay attention to the expiration date. If you’re caught with an expired SR-22 or you wait too long to renew an old one, then you run the risk of not being able to get insurance at all.

Not every state treats SR-22/FR-44’s the same

Because these are state forms rather than federal, the rules change slightly from state to state.  Check with your state’s DMV as well as your auto insurance provider to make sure you meet all of the requirements.

Speaking of different states…

A word of warning to drivers with SR-22’s who may be moving to a different state: you must keep up your SR-22 and abide by your former state’s laws. Just because you move to a new state doesn’t mean that you are no longer required to maintain this form. In fact, failing to do so could get you into even more trouble including expensive fines, revocation of your driver’s license, and possibly jail time. Before you move, be sure to speak to someone at your original state’s DMV to find out what you need to do after you move.


Auto Insurance A to Z

It’s easy for a lot of folks in auto insurance to forget that most people don’t know what they’re talking about when they refer to liability coverage, or an SR-22. Our Auto Insurance A-Z Guide helps decrypt things, unpacking these concepts into language you and I can understand.

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