If you’ve been told you need SR-22 insurance, you're probably wondering: What is it, and why do I need it? Don’t worry—you're not alone, and it’s not as scary as it sounds.
🚗 What Is an SR-22?
First, SR-22 isn’t a type of insurance. It's a certificate of financial responsibility that your insurance company files with your state. It proves you carry the minimum required auto insurance after a serious driving offense, like:
- A DUI or DWI
- Reckless driving
- Driving without insurance
- Multiple traffic violations in a short time
Think of it as a “red flag” your state watches to make sure you’re properly insured.
⏳ How Long Do You Need an SR-22?
Usually, 3 years, but this can vary by state and offense. During this time, you must maintain continuous coverage—if your policy lapses, your insurer is required to notify the DMV, and your license could be suspended again.
💸 How Much Does It Cost?
The SR-22 filing fee is typically $15–$50, but your insurance premium will likely rise due to your driving record. That said, you can still compare quotes and find affordable high-risk insurance providers.
Need SR-22 insurance? Find out what it means, who needs it, how long it lasts, and what it costs after a driving violation.
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Disclaimer: This blog is for informational purposes only. Policy terms and conditions vary by provider—always read your insurance contract carefully.