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What is SR22 insurance?

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

We can issue you an SR22 certificate immediately with filings to your state the same day, often electronically. And while we might offer inexpensive car insurance, we stand behind our quality coverages with friendly, top-notch customer service.


SR22 Learning Center: What you need to know about SR22s/SR-22s

What is an SR22?

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 SR-22 simply states that you’re meeting your state’s car insurance requirements for a specified amount of time.

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

Yes, no matter the preference on how you present an SR22, all of the above examples refer to SR22 insurance.

Do I need an SR22?

You may need an SR22 if you have one of the following violations (your state might also require them for reasons not listed):

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

Is an SR22 considered car insurance?

An SR22 means you are meeting your state’s car insurance minimum requirements and is NOT car insurance itself. We, as your policy provider, would be making the “promise” to the state that we are covering you for certain car insurance-related circumstances. 

What does a SR22 cost?

There is no need for an SR22 insurance quote from us—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 an SR22?

The additional information can vary a little by state, but in general, simply indicating you need 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 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 if my policy cancels?

If your SR22 lapses, 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. You can always prevent your SR-22 from cancelling (called an SR-26) by making your premium payments on time.

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 insurance premium.

What types of SR22 forms are there?

There are three types of SR22 forms:

  • 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.
  • Owner: An Owners 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 occasionally.

Can I get a SR22 if I don’t own a car?

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

Does my state require an SR22?

Each state has its own SR22 requirements, 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. FR 44: What’s the difference? 

In Florida and Virginia, in some cases an FR 44 may be required instead of an SR22, 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.

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

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

I need further help...

We know you have questions about SR22 insurance. We can help. Give us a call at 800-334-0090.