{"id":702,"date":"2017-06-21T19:08:33","date_gmt":"2017-06-21T19:08:33","guid":{"rendered":"https:\/\/www.freeway.com\/knowledge-center\/?p=702"},"modified":"2025-04-28T23:34:34","modified_gmt":"2025-04-28T23:34:34","slug":"sr22-what-you-need-to-know","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/knowledge-center\/auto\/high-risk-auto-insurance\/sr22-what-you-need-to-know\/","title":{"rendered":"SR-22: What You Need to Know"},"content":{"rendered":"<p>Let\u2019s be honest. If you are told that you need\u00a0<a href=\"https:\/\/www.freeway.com\/auto-insurance\/sr-22\/\"><strong>SR-22 insurance<\/strong><\/a> when you are shopping for\u00a0<a href=\"https:\/\/www.freeway.com\/auto-insurance\/\">car insurance<\/a> quotes, it\u2019s not fun. We can certainly hope you don\u2019t need to look for\u00a0<strong>SR-22 insurance quotes<\/strong>, but it\u2019s not as bad as you think. Many people get needlessly afraid when they need to get\u00a0<a href=\"https:\/\/www.freeway.com\/auto-insurance\/high-risk-drivers\/\">high risk auto insurance\u00a0<\/a>because they don\u2019t truly understand it.<\/p>\n<p>People wonder where to get an\u00a0<em>SR-22 insurance<\/em>\u00a0policy. Others want to know how to get rid of the need for an\u00a0SR-22. A great number of people don\u2019t even know what \u201c<strong>SR-22<\/strong>\u201d means!<\/p>\n<h2>What is an SR-22 Insurance Policy?<\/h2>\n<p>An SR-22, which is also known as a \u201cStatement of Responsibility\u201d form or a \u201cCertificate of Financial Responsibility,\u201d isn\u2019t technically insurance. It\u2019s a verification that you have sufficient <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/liability\/\">liability insurance<\/a> to drive. Basically, it\u2019s your\u00a0car insurance\u00a0company vouching for you to your state, assuring state officials that you are properly insured to legally drive.<\/p>\n<p>Who Needs SR-22 Car Insurance?<\/p>\n<p>You are usually required to obtain an SR-22 if a judge requires you to get one for the following reasons:<\/p>\n<ul>\n<li>A<strong>\u00a0<\/strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/dui\/\">DUI<\/a>\/DWI<\/li>\n<li>Being at-fault in an accident while driving without\u00a0<a href=\"https:\/\/www.freeway.com\/auto-insurance\/\">car insurance<\/a><\/li>\n<li>Acquiring multiple traffic offenses within a short period of time<\/li>\n<li>Getting your license suspended or revoked<\/li>\n<\/ul>\n<p>Even if you do not own a car, you might be required to get a\u00a0non-owner SR-22\u00a0certificate to legally drive rental vehicles or for when you borrow a friend\u2019s car.<\/p>\n<h2>What Does SR-22 Insurance Cost?<\/h2>\n<p>Well, it\u2019s a complicated answer. You can get\u00a0<a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/insurance-after-dui\/\">cheap SR-22 insurance\u00a0<\/a>and it usually costs around $25 for it to be filed. However, because you need an\u00a0SR-22\u00a0to legally drive, most insurance companies will only offer you\u00a0high risk auto insurance<strong>\u00a0<\/strong>premiums and costs for your coverage given your driving record. Depending on your state, you might even have to pay everything in full instead of installments. It\u2019s important to do your research and shop around to find the best offer for your budget.<\/p>\n<h2>How Do I Get an SR-22 Form?<\/h2>\n<p>You can only obtain an\u00a0SR-22 form\u00a0through your insurance provider, but the car insurance provider must be filed with the state. Once the insurer agrees to cover you, they will send the\u00a0SR-22\u00a0to the DMV to be filed.<\/p>\n<p>It should be noted though that if you move to another state, you will have to file an\u00a0SR-22\u00a0again, but this time for your new home state. You will also have to pay the liability limits required of that state.<\/p>\n<h2>How Long Does an SR-22 Have to Be Maintained?<\/h2>\n<p>The majority of states require drivers to carry an SR-22 for three years. Be forewarned, you must have continuous\u00a0car insurance\u00a0coverage throughout those three years. If there is any lapse in coverage or a cancellation, your insurer is legally required to inform the DMV and your license will be suspended.<\/p>\n<p>How Can I Avoid an SR-22 Insurance Requirement?<\/p>\n<p>It\u2019s rather simple:<\/p>\n<ul>\n<li>Don\u2019t drink and drive<\/li>\n<li>Be safe on the road to avoid traffic violations and speeding tickets<\/li>\n<li>Don\u2019t drive without\u00a0car insurance<\/li>\n<\/ul>\n<p>But know that needing\u00a0SR-22 insurance\u00a0isn\u2019t the end of the world. Everyone makes mistakes. That\u2019s why after three years of driving without any violations, your driving record should be cleared. Without any violations on your record, you won\u2019t need an\u00a0SR-22\u00a0anymore. This leads to less hassle with the state and <a href=\"https:\/\/www.freeway.com\/auto-insurance\/cheap\/\">cheaper\u00a0car insurance\u00a0<\/a>premiums later on.<\/p>\n<p><em>If you need an SR-22, you can get it through Freeway Insurance along with an affordable high risk auto insurance policy. We offer a variety of SR-22 insurance quotes for you to compare and save on coverage. Call Freeway at\u00a0<strong>(800) 777-5620<\/strong>\u00a0to get a free\u00a0<\/em>high-risk auto insurance quote<em>\u00a0or fill out the <\/em><a href=\"https:\/\/www.freeway.com\/auto-insurance\/\"><em>form online today<\/em><\/a><em>.\u00a0<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Let\u2019s be honest. If you are told that you need\u00a0SR-22 insurance when you are shopping for\u00a0car insurance quotes, it\u2019s not fun. We can certainly hope you don\u2019t need to look for\u00a0SR-22 insurance quotes, but it\u2019s not as bad as you think. Many people get needlessly afraid when they need to get\u00a0high risk auto insurance\u00a0because they [&hellip;]<\/p>\n","protected":false},"author":1002629,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[54],"tags":[87],"importance":[],"type-content":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/702"}],"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=702"}],"version-history":[{"count":15,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/702\/revisions"}],"predecessor-version":[{"id":11621,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/702\/revisions\/11621"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/media?parent=702"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/categories?post=702"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/tags?post=702"},{"taxonomy":"importance","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/importance?post=702"},{"taxonomy":"type-content","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/type-content?post=702"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}