{"id":167,"date":"2023-01-20T06:25:00","date_gmt":"2023-01-20T06:25:00","guid":{"rendered":"https:\/\/www.freeway.com\/knowledge-center\/?p=167"},"modified":"2025-04-29T23:48:23","modified_gmt":"2025-04-29T23:48:23","slug":"how-do-i-get-an-sr22","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/knowledge-center\/auto\/high-risk-auto-insurance\/how-do-i-get-an-sr22\/","title":{"rendered":"What is an SR-22?\u00a0"},"content":{"rendered":"
An SR-22 is an important document for individuals who have been deemed high-risk drivers by the state. This document is a certification from an insurance company that the individual has the required minimum liability insurance coverage, as mandated by the state. SR-22 is typically required for drivers who have been convicted of driving under the influence, repeat traffic offenses, or multiple accidents. Without an <\/span>SR-22 insurance<\/span><\/a>, the state may revoke an individual’s license, and they may not be able to <\/span>legally operate a vehicle<\/span><\/a>.\u00a0<\/span><\/p>\n Having an SR-22 is essential to protecting oneself and others on the road and restoring the ability to drive legally. In addition, it serves as proof to the state that the individual is financially responsible and has taken steps to improve their <\/span>driving record<\/span><\/a>. Overall, having an SR-22 is crucial for high-risk drivers to regain driving privileges and maintain their independence.\u00a0<\/span><\/p>\n An SR-22 is a certificate that your insurance company files on your behalf with the state to certify that you have the required amount of car insurance.\u00a0<\/span><\/p>\n The term \u201cSR-22\u201d is often referred to in a number of ways, such as a Certificate of Financial Responsibility, an SR-22 form, SR-22 insurance, an SR-22 bond, etc. It is a state-filed form that certifies you have purchased the <\/span>state-required minimum liability auto insurance<\/span><\/a>.\u00a0 An auto insurance company issues an SR-22 \u2013 and they will automatically notify your state\u2019s Department of Motor Vehicles that you comply with demonstrating financial responsibility.\u00a0<\/span><\/p>\n Technically speaking, an SR-22 certificate is not actually car insurance. It certifies that a driver has the proper amount of car insurance.\u00a0<\/span><\/p>\n An SR-22 is an important document for individuals who have been deemed high-risk drivers by the state. This document is a certification from an insurance company that the individual has the required minimum liability insurance coverage, as mandated by the state. SR-22 is typically required for drivers who have been convicted of driving under the influence, repeat traffic offenses, or multiple accidents. Without an SR-22, the state may revoke an individual’s license, and they may not be able to legally operate a vehicle.\u00a0<\/span><\/p>\n Having an SR-22 is essential to protecting oneself and others on the road and restoring the ability to drive legally. In addition, it serves as proof to the state that the individual is financially responsible and has taken steps to improve their driving record. Overall, having an SR-22 is crucial for high-risk drivers to regain driving privileges and maintain their independence.\u00a0<\/span><\/p>\n While SR-22 insurance is most commonly associated with DUI or DWI offenses, there are a number of other instances when an SR-22 is required. These instances include:\u00a0<\/span><\/p>\n Drivers who are required to file an SR-22 with the state are generally considered high-risk drivers. What this means is that car insurance companies may feel they are taking on extra \u201crisk\u201d in insuring a driver who has exhibited reckless or other egregious behavior behind the wheel. <\/span>High-risk auto insurance<\/span><\/a> is typically more expensive for this reason.\u00a0<\/span><\/p>\n First, you have to find an insurance company that is willing to provide <\/span>high-risk car insurance<\/span><\/a>. Not every insurance company offers this type of coverage. However, there are options out there \u2013 you just have to find them \u2013 or find an insurance company that will help you search out your options.\u00a0\u00a0<\/span><\/p>\n Once you purchase your auto insurance, your <\/span>insurance company<\/span><\/a> will file your SR-22 with the state. Be aware that insurance companies are required by law to report in real time if your SR-22 insurance coverage lapses. You\u2019ll want to stay on top of this so you can get to the finish line as fast as possible.\u00a0<\/span><\/p>\n The filing fee for SR-22 insurance is typically $15-$25 in most states. This is a one-time fee as long as your policy does not lapse. While the SR-22 certificate itself does not cost more than the filing fee, drivers who require SR-22 insurance usually pay more for insurance because they are considered high-risk drivers.\u00a0<\/span><\/p>\n It is important to note that different companies charge different rates for individuals who require an SR-22. <\/span>Car insurance comparison-shopping<\/span><\/a> is always a good idea under any circumstances to ensure you are getting the best rates with the ideal coverage to meet your needs.\u00a0<\/span><\/p>\n Although the SR-22 requirements vary from state to state, generally a driver who is required to maintain an SR-22 on file needs to do so for three continuous years. If there is an interruption of this liability coverage, the insurance company that issued the SR-22 is required by law to inform the DMV that you are no longer in compliance.\u00a0<\/span><\/p>\n If you are required to hold an SR-22 for a three-year period and you cancel your insurance during that term or fail to make a payment and let your policy lapse, it could put you at risk for a variety of negative outcomes. Some of these repercussions include:\u00a0<\/span><\/p>\n If you wind up in the unfortunate situation of having to obtain an SR-22, you do not want to make matters worse by ignoring the required terms and costing yourself more money. Be sure to follow the guidelines and practice safe driving while you are holding an SR-22 and your driving record and insurance premiums will improve before you know it.\u00a0<\/span><\/p>\n In most cases, getting an SR-22 certificate means finding an insurance company that will both provide you with car insurance and then file the <\/span>SR-22 certificate<\/b> for you with the state to certify that you have the required amount of <\/span>liability car insurance<\/span><\/a>. Only an insurance company licensed to do business in that state can file an SR-22 \u2013 you cannot file it on your own.\u00a0<\/span><\/p>\n Having your license suspended or being arrested for a DUI can be incredibly stressful\u202fand\u202fexpensive. If you are already dealing with this frustration, it may seem even worse if you receive a letter from your state\u2019s Department of Motor Vehicles that you are required to obtain SR-22 insurance. If this is a first offense, it is likely that you are unfamiliar with the term and you are probably wondering \u201cwhat is SR-22 insurance\u201d and \u201cwhy do I need it\u201d.<\/span><\/p>\n If your driving record is presenting some issues and doesn\u2019t mean you can\u2019t get affordable auto insurance coverage, Freeway Insurance can get you cheap car<\/a> insurance and help you file an SR-22. Get a fast and free auto insurance quote online, over the phone at\u202f<\/span>(800) 777-5620<\/b> or visit one of our convenient <\/span>locations<\/span><\/a>. Our insurance agents can provide you accurate and on point information!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":" An SR-22 is an important document for individuals who have been deemed high-risk drivers by the state. This document is a certification from an insurance company that the individual has the required minimum liability insurance coverage, as mandated by the state. SR-22 is typically required for drivers who have been convicted of driving under the […]<\/p>\n","protected":false},"author":1002606,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[54],"tags":[],"importance":[],"type-content":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/167"}],"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\/1002606"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/comments?post=167"}],"version-history":[{"count":24,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/167\/revisions"}],"predecessor-version":[{"id":11741,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/167\/revisions\/11741"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/media?parent=167"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/categories?post=167"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/tags?post=167"},{"taxonomy":"importance","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/importance?post=167"},{"taxonomy":"type-content","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/type-content?post=167"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Who Needs an SR-222?<\/b><\/h2>\n
Why Do I Need SR-22 Insurance?\u00a0<\/b><\/h2>\n
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What Steps Do I Need to Take to Get an SR-22?\u00a0<\/b><\/h2>\n
How Much Does an SR-22 Cost?\u00a0<\/b><\/h2>\n
How Long Do I Need SR-22 Insurance?\u00a0<\/b><\/h2>\n
What Happens if I Don\u2019t Maintain My SR-22 Insurance?\u00a0<\/b><\/h2>\n
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How Do I Get an SR-22?\u00a0<\/b><\/h2>\n
How to Find Affordable SR-22 in Your State\u00a0<\/b><\/h2>\n