What is an SR-22 Filing, and Do I Need One?

As the result of certain traffic violations, you may be required to obtain an SR-22 document. Below, we will outline how much it costs for an SR-22 and how long you'll need to have one.

What is an SR-22?

An SR-22 document is required to provide state mandated proof of auto insurance. If you've had a DUI/DWI, been cited for driving without insurance, or been involved in a traffic accident while not covered by insurance, you may be required to keep an SR-22 document in your vehicle. The SR-22 document allows you to provide proof of minimum liability coverage as required by state law to present to law enforcement officials if necessary.

How much is SR-22 insurance?

Since SR-22 refers to the document that requires insurance coverage, and not the coverage itself, there is no difference between the cost of insurance bought under normal circumstances and insurance bought to satisfy an SR-22 requirement. The document has a one-time filing fee. Although the SR-22 document does not affect your insurance premium, the traffic violation that led to an SR-22 may increase your rate.

How long do you need an SR-22?

The amount of time you are required to keep an SR-22 document can vary, but is usually around three years. During that time, you will need to keep the SR-22 current with minimum liability coverage.

Certificate of Financial Responsibility (SR-22):

An SR-22 is a certification of future proof of Financial Responsibility issued by your insurance company to the DMV that provides proof that you purchased liability insurance. The following circumstances may require a person to have an SR-22:

  • To reinstate a suspended license after the person fails to pay an accident judgment
  • To reinstate a suspended license after the person fails to maintain proof of Financial Responsibility
  • To reinstate a suspended license after a Driving Under the Influence (DUI) conviction
  • To reinstate your license after implied consent violation

If you are required to maintain a certificate of Financial Responsibility, your insurance company is required to provide the DMV with at least ten (10) days advance notice before termination.