An SR-22 is a certificate that proves you carry the liability insurance your state requires. If a court or motor vehicle agency has told you to file one, this page explains what it is, how long it usually lasts and how to get started.
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What is an SR-22?
An SR-22 is not an insurance policy. It is a form your insurance company files with your state to show that you carry at least the minimum liability coverage. If the policy is cancelled or lapses, the insurer notifies the state, and your license can be suspended again. Some states use the same idea under another name, and Florida and Virginia also use an FR-44 for DUI-related cases. A few states do not use the SR-22 at all.
Who needs one?
States typically ask for an SR-22 after events such as driving without insurance, a DUI or similar conviction, at-fault crashes while uninsured, an unpaid court judgment, or a suspended license. The reason and the rules depend on your state, so check the notice you received. You can also read our state-by-state guides, which are based on official DMV and state sources.
How long do you need it?
It varies. Many states require three years, some require less (for example, Texas and Missouri list two years in some cases, Ohio lists one year under current law, and Indiana allows 180 days in some no-insurance cases). The period often starts on the date of suspension or the date you are eligible to reinstate. A lapse can restart the clock or lead to a new suspension, so keep the policy active the whole time.
What if you do not own a car?
Some insurers offer a non-owner SR-22 policy that covers you when you drive a vehicle you do not own. Read more about non-owner SR-22 insurance.
How the process works
- Check the notice from your court or state agency for what is required and how long.
- Ask an insurance company licensed in your state to issue a policy that meets the minimum limits and to file the SR-22. You cannot file it yourself.
- Keep the policy active without gaps. Ask the insurer how long processing takes.
- When the period ends, confirm with your state that the requirement is cleared.
What does it cost?
Costs depend on your driving record, age, vehicle, state and the insurer. Some insurers charge a one-time filing fee, and premiums are often higher after the events that trigger an SR-22. We cannot quote or promise a price. The agent you speak with can explain the options available to you.
How this site works
CheapSR22Insurance.US is an information website. We are not an insurance company, agency or broker. When you call, an automated system asks a few questions and connects you with an insurance agent, and this site may earn compensation from calls. Read our full disclosure.
Call 1-833-568-8076 to be connected with an insurance agent, or enter your ZIP code below. An automated system asks a few questions first.
Find SR-22 Insurance Options
Enter your ZIP code to get started, or call to talk with an insurance agent.
We are not an insurance company. Quotes come from participating agents.
Please enter a valid 5-digit ZIP code.
This page is general information, not legal or insurance advice. Rules change, so confirm the details with your state motor vehicle agency.