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SR22 insurance

You've been told you need an SR22. But you don't know exactly what it is. Is it insurance? How do I get one? We've got the answers to your questions right here. And, when you’re ready to get that SR22, contact us for a fast and free Dairyland Auto® insurance quote.

In many states, we can issue an SR22 certificate the same day you request one. And while our insurance might be cheap, we stand behind our coverages with friendly, top-notch customer service.

What is an SR22—is it insurance?

An SR22 is a certificate of insurance that proves you carry car insurance. Some people refer to it as SR22 insurance, or a certificate of financial responsibility (CFR) filing. The SR22 simply states that you’re meeting your state’s car insurance requirements for a specified amount of time.

Why would I need an SR22?

You may need an SR22 if you have one of the following violations:

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

What types of SR22 forms are there?

There are three types:

  1. Operator – An Operators Form is designed for those who borrow or rent a car, but don’t own a car. This is sometimes called non owner car insurance.
  2. Owner – An Owners Form is for those who own and drive their own car.
  3. Operator/Owner – An Operator/Owner Form is a combination form that applies to those who own their own car, but also borrow or rent occasionally.

What information do I need to apply for an SR22?

Required information varies by state, but generally you’ll need:

Background and contact information
Auto insurance information
Policy ownership

How long does an SR22 last?

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

What happens if my SR22 expires?

If your SR22 expires, your insurance company may be required by law to contact the Department of Motor Vehicles (DMV). This could result in loss of license or, depending on your state of residence, other consequences.

How long does it take to get an SR22?

In many states, we can process and issue same-day SR22 requests. Contact us to find out if your state is one that allows same-day processing.

How much does an SR22 cost?

We don’t charge you to file an SR22 on your behalf, but some states do charge a filing fee. The cost varies by state.

Can I obtain an SR22 if I don’t own a car?

The answer is yes. You can get SR22 insurance if you don’t own a car with our non owner car insurance policy.

What is the difference between an SR22 and an FR 44?

In Florida and Virginia, an FR 44 may be required instead of an SR22 in some cases, based on your driving record. Similar to an SR22, the FR 44 is a document of financial responsibility proving that you carry car insurance. However, an FR 44 requires your liability coverage limits to be significantly higher than the state minimum.

Which states do not require an SR22?

Your state has its own requirements, which are subject to change. If you’re not sure of these requirements, we recommend you contact your state’s Department of Insurance.