An SR22 is a form filed with your state that proves you carry car insurance. Some people refer to it as “SR-22 car insurance” but technically, it’s a certificate of financial responsibility (CFR). No matter what you call it, SR-22 insurance simply confirms you meet your state’s car insurance coverage requirements for driving during a required period.
If you receive a driving violation like a DUI or driving without insurance, your state may require you to get an SR-22. Once you’re issued an SR22 from an insurance provider that offers them, it’s filed with your state to prove you carry your state’s minimum required car insurance.
We can help by issuing your SR-22 right away and letting the state know you’re covered—with no filing fee—and often within the same day of purchase.
Not all drivers need to file for an SR-22. Each state has its own specific requirements, but as a rule of thumb, high-risk drivers with one or more of the following violations on their recent driving record will likely need an SR-22:
Driving under the influence (DUI) or driving while intoxicated (DWI)
Driving with a suspended or revoked driver’s license
Causing an accident while driving without insurance
Being charged for repeated traffic violations—like multiple speeding tickets over the course of a few months—or severe violations, such as reckless driving
If you meet this criteria and a court or the state determines you need to file for an SR-22, you’ll be notified and receive clear direction—either in-person during your hearing, or via a letter mailed to your home from your state’s Department of Motor Vehicles (DMV).
The process for getting an SR-22 varies by state. In general, simply indicate you need to file an SR-22 when you purchase your auto insurance policy—we can take it from there. You need to provide your driver’s license number or other identification number for us to file with your state.
We can issue you one immediately. In most states, we can also send your SR-22 to the state electronically the same day—and with no filing fee. Need to file one now? Get a quote for cheap SR-22 insurance with Dairyland®.
At Dairyland, most often we file your SR-22 for free as part of your policy. Some companies and agencies might charge you additional fees or surcharges.
Dairyland offers policies with an SR-22 you can purchase online. We also offer many other coverage options you can add to your policy, depending on your situation and budget.
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 read up on your state’s insurance 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.
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. Have more questions about SR22 costs? Our knowledgeable customer service representatives are waiting to provide you with help at 888-344-4357.
An SR-22 is a certificate of financial responsibility that shows 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:
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 people who own and drive their own car.
Operator/Owner: An operator/owner form is a combination form that applies to individuals who own their own car, but also borrow or rent one to drive occasionally.
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.
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Several factors can lead you to being labeled a high-risk driver, from a DUI to a low credit score. With this guide, we’ll help you learn the fundamentals of high-risk auto insurance.