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. No matter what you call it, an SR-22 simply states you meet your state’s car insurance coverage requirements for driving during a required period.
Each state has its own SR-22 coverage requirements for drivers, and all are subject to change. Get in touch with your insurance provider to find out your state’s current requirements and make sure you have adequate coverage.
Most states require drivers to have an SR-22—to prove they have insurance—for about three years. This may vary by state or by circumstances, so be sure to check your state’s requirements and ask your insurance carrier for specifics.
Like an SR-22, an FR-44 is a document proving that you carry car insurance. However, an FR-44 may require your liability coverage limits to be significantly higher than the state minimum.
While the duration might vary, an FR-44 is also usually required for three years. By law, you can’t cancel your FR-44 policy while it is required.
If your coverage lapses, your insurance company is required to inform the Department of Motor Vehicles (DMV). This could result in the loss of your driver’s license or other consequences, depending on your state of residence.
Making payments on time will help keep your policy from being canceled and prevent your insurance provider from sending an SR-26 to the state. An SR-26 cancels the SR-22 with the state. If you no longer need an SR-22, an SR-26 form is also filed to remove the SR-22.
The Dairyland mobile app can help you set up bill alert reminders and keep your payment information up to date, helping ensure your coverage doesn’t lapse.
Once you purchase a policy from an insurance company that offers SR-22s, they’ll file it with the state. With Dairyland, this is often done electronically and on the same day as your purchase.
Not all auto insurance companies offer SR-22s. If you work through an agent, they’ll provide options for you. If you’re looking on your own, do your research and contact insurance companies directly to find out their coverage options. Dairyland offers SR-22s, usually for free as part of your insurance policy.
If you have a clean driving record, you likely won’t. Reasons for needing an SR-22 vary by state. However, the most common reasons for an SR-22 are reckless driving, being convicted of a DUI, driving on a suspended license, driving without insurance coverage, or being at fault for an accident. You might also need an SR-22 if you have a bunch of small incidents pile up over time.
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.
An SR-22 means you meet your state’s car insurance minimum requirements for driving and is not considered car insurance itself. We, as your policy provider, let the state know that we cover you for certain car-insurance-related circumstances.
There are three types of SR-22s:
Yes. You can get SR-22 insurance if you don’t own a vehicle with our non-owner insurance policy. Non-owner car insurance protects you in the event you’re found to be at fault in an accident while driving a vehicle you don’t own. It’s a secondary coverage that pays for damages above and beyond what might be covered through the car’s primary insurance.