Insurance is all about being prepared for the unexpected. So, if you’re told you need to get an SR22, SR 22 insurance, or an SR-22 form, would you know what to do?
We’re here to help.
Most people don't know exactly what an SR22 is. Is it car insurance? How does a driver get an SR22? We have your coverage answers below. 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, you’ll find we also deliver quality coverage with friendly, top-notch customer service.
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.
Yes, no matter how you reference SR22, all of the above examples refer to SR-22 car insurance for drivers.
You may need SR22 coverage if you have one of the following driving violations (your state might also require them for reasons not listed):
An SR 22 means you’re 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.
At Dairyland®, most often we file your SR22 for free as part of your policy. Some companies and agencies might charge you additional fees or surcharges.
The additional information can vary by state, but in general, simply indicating you’re a driver in need of an SR 22 filing when purchasing your policy is enough. You’ll need to provide your driver’s license number or other identification number for us to file with your state.
Yes, we can issue you one immediately. In most states, we’re able to electronically send your SR-22 to the state the same day.
Yes, Dairyland offers policies with an SR22 that can be purchased online. We also offer a many other coverage options that can be added to your policy, depending on your needs.
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.
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.
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.
There are three types of SR22 insurance:
Yes. You can get SR22 insurance if you don’t own a vehicle with our non-owner car insurance policy.
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 contacting your state’s Department of Insurance.
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.
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.
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 assist you.