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What is SR22 insurance?

You've been told you need SR 22 insurance or an SR-22 form. But you don't know exactly what it is. Is it car insurance? How does a driver get an SR22? We have your coverage answers here. And when you’re ready to get SR 22 car insurance, contact us for a fast and free Dairyland Auto® insurance quote.

We can issue a driver an SR-22 certificate immediately and file it with your state the same day, often electronically. And while we might offer cheap car insurance, we stand behind our quality coverage with friendly, top-notch customer service.

SR22 Learning Center: What you need to know about the SR22/SR-22/SR 22

What is an SR22?

An SR-22 is a certificate of insurance that proves you carry car insurance. Some people refer to it as SR 22 car insurance, or a Certificate of Financial Responsibility (CFR) filing. The SR22 simply states you’re meeting your state’s car insurance coverage requirements for driving over a specified amount of time.

SR22, SR-22, SR 22, SR22 form: Is it all the same?

Yes, no matter how you spell SR22, all of the above examples refer to SR-22 car insurance for drivers.

Do I need an SR22?

You may need SR 22 coverage if you have one of the following driving violations (your state might also require them for reasons not listed):

  • DUI or DWI
  • Reckless driving
  • At-fault accidents
  • Driving without insurance coverage
  • Driving with a suspended license

Is an SR-22 considered car insurance?

An SR 22 means you are meeting your state’s car insurance minimum requirements for driving and is NOT car insurance itself. We, as your policy provider, make the “promise” to the state that we’re covering your driving for certain car insurance-related circumstances. 

What does a SR-22 cost?

At Dairyland®, we file your SR22 for free. Some other companies and agencies might charge you additional fees.

What do I need to do to get SR-22 insurance?

The additional information can vary a little by state, but in general, simply indicating you’re a driver in need of an SR 22 filing when purchasing your policy is enough.

Can I get an SR22 today?

Yes, we can issue you one immediately. In most states, we are able to electronically send your SR-22 to the state the same day.

How long does an SR 22 last?

Most states require drivers to have SR22 coverage along with an insurance policy for about three years. This may vary by state or by circumstances, so be sure to check your state’s requirements.

What if my policy cancels?

If your SR-22 lapses, your insurance company is required to contact the Department of Motor Vehicles (DMV). This could result in loss of your driver’s license or, depending on your state of residence, other consequences. Making payments on time will help prevent an SR26 from being sent to the state. An SR26 cancels the SR22.

Will an SR22 raise my insurance?

With many companies, yes—but not Dairyland®. Generally, just having an SR-22 filing on your policy will not impact your car insurance premium at Dairyland.

What types of SR 22 certificates are there?

There are three types of SR22 insurance:

  • Operator: An Operator’s Certificate is designed for drivers who borrow or rent a car, but don’t own a car. This is sometimes used with a non-owner car insurance policy.
  • Owner: An Owner’s Form is for those who own and drive their own car.
  • Operator/Owner: An Operator/Owner Form is a combination form that applies to those who own their own car, but also borrow or rent one to drive occasionally.

Can I get a SR-22 if I don’t own a car?

Yes. You can get SR22 insurance if you don’t own a vehicle with our non-owner car insurance policy.

Does my state require an SR 22?

Each state has its own SR-22 coverage requirements for drivers, which are subject to change. If you’re not sure of these requirements, we recommend you contact your state’s Department of Insurance. 

SR22 vs. FR44: What’s the difference? 

In Florida and Virginia, in some cases an FR 44 may be required instead of an SR-22, based on your driving record. Similar to an SR 22, the FR-44 is a document of financial responsibility proving that you carry car insurance. However, an FR 44 may require your liability coverage limits to be significantly higher than the state minimum.

What’s a Certificate of Financial Responsibility (CFR)?

A certificate of financial responsibility is another term for SR22 insurance, showing that you’re meeting your state’s minimum car insurance requirements for a specified amount of time.

I need further help...

If you have questions about SR-22 coverage, we can help. Give us a call at 800-334-4357 and a licensed agent will be happy to help.