{"id":11460,"date":"2025-04-03T18:51:55","date_gmt":"2025-04-03T18:51:55","guid":{"rendered":"https:\/\/www.freeway.com\/knowledge-center\/?p=11460"},"modified":"2025-04-03T18:51:55","modified_gmt":"2025-04-03T18:51:55","slug":"sr-22-insurance-what-you-need-to-know-before-hitting-the-road-again","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/knowledge-center\/sr-22-insurance\/sr-22-insurance-what-you-need-to-know-before-hitting-the-road-again\/","title":{"rendered":"SR-22 Insurance: What You Need to Know Before Hitting the Road Again\u00a0"},"content":{"rendered":"\n
Need an SR-22 to get back on the road? It\u2019s easier than you think. This certificate proves you have the right insurance, and we\u2019re here to make the process smooth and stress-free. In this guide, we\u2019ll break down what an SR-22 is, why you might need one, and how to find affordable coverag<\/strong>e to get you back behind the wheel. <\/p>\n\n\n\n First things first: An SR-22 is not an insurance policy.<\/strong> It\u2019s a form\u2014officially called a Certificate of Financial Responsibility<\/strong>\u2014that proves you have the state-required minimum liability coverage<\/strong><\/a>. <\/p>\n\n\n\n If the DMV is asking for an SR-22, it\u2019s usually because of a major driving violation<\/strong> or multiple minor offenses in a short period of time<\/strong> (more on that in a second). <\/p>\n\n\n\n Not all states require an SR-22.<\/strong> If you live in Kentucky, Minnesota, or New Mexico<\/strong>, you\u2019re off the hook. But if you\u2019re in Florida, you might need an FR-44 instead<\/strong>\u2014a stricter version for DUI-related offenses. <\/p>\n\n\n\n While the specifics may vary by state, the SR-22 essentially proves to the DMV that you have continuous coverage, are following the rules and deserve to be back on the road. <\/p>\n\n\n\n If the state is requiring you to carry an SR-22, it means you\u2019ve been flagged as a high-risk driver<\/strong>. Common reasons include: <\/p>\n\n\n\n Basically, the state wants to keep an eye on your insurance<\/strong> and make sure you don\u2019t let your coverage lapse. Most states require you to carry an SR-22 for at least three years<\/strong>, but keeping a clean driving record<\/strong> can help you move past it faster. <\/p>\n\n\n\n We get it\u2014nobody wants to pay more for insurance.<\/strong> And yes, needing an SR-22 can increase your premiums<\/strong>. But that doesn\u2019t mean you\u2019re stuck with sky-high rates forever. <\/p>\n\n\n\n Here\u2019s how to keep costs down:<\/strong> <\/p>\n\n\n\n The key is staying insured and driving smart<\/strong>\u2014because once you prove you\u2019re a responsible driver, you\u2019ll ditch the SR-22 label and lower your rates. <\/p>\n\n\n\n Getting an SR-22 might feel like a hassle, but it doesn\u2019t have to be expensive or stressful<\/strong>. At Freeway Insurance, our bilingual team is ready to walk you through the process<\/strong> and get you back on the road at the best possible price<\/strong>. <\/p>\n\n\n\n Start a free quote online<\/strong><\/a> <\/strong>or call us at 800-777-5620<\/strong><\/a>. <\/p>\n","protected":false},"excerpt":{"rendered":" Need an SR-22 to get back on the road? It\u2019s easier than you think. This certificate proves you have the right insurance, and we\u2019re here to make the process smooth and stress-free. In this guide, we\u2019ll break down what an SR-22 is, why you might need one, and how to find affordable coverage to get […]<\/p>\n","protected":false},"author":1002629,"featured_media":11461,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1994],"tags":[],"importance":[],"type-content":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/11460"}],"collection":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/users\/1002629"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/comments?post=11460"}],"version-history":[{"count":1,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/11460\/revisions"}],"predecessor-version":[{"id":11462,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/11460\/revisions\/11462"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/media\/11461"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/media?parent=11460"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/categories?post=11460"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/tags?post=11460"},{"taxonomy":"importance","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/importance?post=11460"},{"taxonomy":"type-content","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/type-content?post=11460"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Wait . . .What Exactly is SR-22 Insurance? <\/h2>\n\n\n\n
Why Do You Need an SR-22?<\/strong> <\/h2>\n\n\n\n
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How to Find Affordable SR-22 Coverage<\/strong> <\/h2>\n\n\n\n
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Let Freeway Help You Get the Affordable SR-22 You Need!<\/strong>\u00a0<\/h2>\n\n\n\n