{"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

Wait . . .What Exactly is SR-22 Insurance? <\/h2>\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

Why Do You Need an SR-22?<\/strong> <\/h2>\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