{"id":6178,"date":"2021-12-29T16:13:48","date_gmt":"2021-12-29T16:13:48","guid":{"rendered":"https:\/\/www.freeway.com\/knowledge-center\/?p=6178"},"modified":"2025-04-29T15:32:33","modified_gmt":"2025-04-29T15:32:33","slug":"what-is-sr-22-insurance","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/knowledge-center\/auto\/high-risk-auto-insurance\/what-is-sr-22-insurance\/","title":{"rendered":"The Facts about an SR-22 and SR-22 Insurance"},"content":{"rendered":"\n

What Is SR-22? <\/h2>\n\n\n\n

An SR-22 insurance<\/a> certificate is a form that your insurance company files with the state to verify that you are carrying the required amount of car insurance<\/a>.  <\/p>\n\n\n\n

If you are required by the state to\u202ffile\u202fan SR-22\u202finsurance certificate<\/strong>, chances are good you\u2019ve become known as a\u202fhigh-risk driver.\u202fThis may be the result of a conviction for DWI, driving without insurance and\/or racking up multiple traffic offenses. <\/p>\n\n\n\n

All drivers are required to get a minimum level of car insurance (typically,\u202fliability insurance<\/a>). But drivers that have been identified as high risk may have a\u202fmore\u202fdifficult time getting insured at all, much less insured at a reasonable price. Therefore, submitting the form to the DMV offers \u201cproof\u201d that such a driver has the insurance they need to get back behind the wheel.\u202f <\/p>\n\n\n\n

Yes, all drivers must be able to prove they have the appropriate car insurance coverage at all times, but high-risk drivers must file a form with the state.\u202f <\/p>\n\n\n\n

What Is an SR-22 Insurance?\u202f <\/h2>\n\n\n\n

First of all, there is no such thing as SR-22 insurance<\/a>. As we noted before, the SR-22 is a form that certain drivers are required to file with the state. Some insurance carriers are hesitant to offer any kind of coverage to these drivers, while other carriers may offer coverage at a greater cost than usual.\u202f <\/p>\n\n\n\n

In this way, SR-22 insurance<\/em> may refer to either the need to get insurance in order to file the form or the type of insurance available to drivers who are required to submit the form in the first place.\u202f <\/p>\n\n\n\n

Who is Considered a High-Risk Driver?\u202f <\/h2>\n\n\n\n

Those drivers that are required to file an SR-22 are identified as high-risk drivers or needing high-risk auto insurance<\/a>. <\/p>\n\n\n\n

Strictly speaking, there are a variety of risky driving behaviors that may result in someone needing to file an SR-22. These are just a few of the more common examples:\u202f <\/p>\n\n\n\n