SR22 Insurance - all you should know

What is an SR-22?

An SR-22 is a document, on file with your state, proving you have car insurance that meets the minimum coverages required by law. Also known as a “Certificate of Financial Responsibility,” “SR-22 Bond,” or “SR-22 Form,” an SR-22 isn’t a “type” of insurance, but rather an easy-to-get filing. In Florida or Virginia, you’ll likely need an FR-44, which is similar to an SR-22, but requires more liability coverage.

What is SR22 Insurance?

Making the best driving decisions is closely linked to your possession of the SR22 insurance. The SR22 insurance is required by states where the license of high-risk drivers is suspended.

Usually, people assume that the SR-22 insurance is an actual kind of insurance. However, this is not the case. When you hold this insurance, which is similar to a certificate of roadworthiness, you can continue driving your car or any other vehicle that you operate.

The process of getting an SR22 insurance form can be a little daunting since losing your license privileges can affect several areas of your life. Nonetheless, begin by getting to understand the way this works in your state and what type of certificate you would need.

Normally, the insurance form is filed by your insurance provider who agrees that you maintain your state’s insurance limits.

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The Bottom Line

<p>Has your life been affected in any way because you’ve lost your driving privileges? With the SR22 insurance, you can get back on the road.</p><p>We understand how daunting this process can be. Hence, contact us at, and we’d help to make the process hitch-free and time-efficient.</p>

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on the SR-22 insurance policies

Who Needs SR22 Insurance?

You need the SR22 insurance if you fit any of the following descriptions:

  1. Own a revoked/suspended/invalid license
  2. Charged/convicted with a DUI or DWI
  3. Questionable driving record
  4. Require a hardship license
  5. Lack of insurance
  6. Cause of an accident
  7. Refusal to pay child support

How Does the SR22 Process Work?

The process of getting the SR22 insurance form is as follows:

  • Find out your state’s insurance requirement
  • Purchase insurance requirement with SR22 endorsement
  • Your state agency insurer files it electronically using AAMVA
  • Use your reinstated license for an average of 3 years. 

Types of SR22 Certificates

The three main types of SR22 certificates include:

  • Operator’s/Non-owner’s certificate

    This is the cheapest form of certificate because it covers you and your household when you aren’t the owner of a vehicle. This policy considers the fact that you drive infrequently; thus, cases of accidents are reduced. Nonetheless, if you drive cars without the Ignition Interlock Device, you might not get the operator’s certificate since a court’s decision may require you to drive only cars with the IID.

  • Owner’s certificate

    This certificate is required for owners of one or more vehicles. The SR22 insurance form could be one which includes all vehicles or select an “All owned vehicles” form.

  • Operator’s-Owner’s certificate

    An operator’s-owner’s certificate covers you if you drive a car that belongs to someone else (as a car owner) or cause an accident with a vehicle that you own (as an operator).

  • DUI or DWI conviction
  • Driving without enough insurance
  • Too many at-fault accidents or violations
  • Repeat offenses in a short time frame (for example, three or more speeding tickets within six months)
  • Not paying court-ordered child support
  • Hardship license (issued for temporary driving needs, normally to and from work, because your license has been suspended or revoked)

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