What Is SR-22 Auto Insurance and Who Offers SR-22 Certificates

What Is SR-22 Auto Insurance?

SR-22 auto insurance is a filed document which proves that a driver has the required minimum amount of liability coverage on their insurance policy. Drivers are only required to have an SR-22 form filed in their state when they’ve committed certain motor vehicle violations.

A court can orders an SR-22 Certificate of Financial Responsibility to be filed when a one is involved in any of these:

  • Convicted of a DUI or DWI that’s alcohol or drug-related
  • Involved in an at-fault accident while driving without auto insurance
  • Convicted of repeat traffic offenses or a high volume of traffic offenses in a short period of time
  • Caught driving with a revoked or restricted license

How do You Get a SR-22 Auto Insurance?

Drivers need to file an SR-22 form when they’re at an administrative court hearing. Commonly after a license suspension and the beginning of a probationary driving period.

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The judge presiding over the case will will request the SR-22 certificate from you, and it’ the drivers responsibility to tell their auto insurance company. Your car insurance company should do the actual SR-22 filing on behalf of their policyholders. This is in conjuction with the state’s Department of Motor Vehicles.

How Much Does SR-22 Auto Insurance Cost

SR-22 fees differs from state to state. Normally, it costs around $25 to file an SR-22, but sometimes, it varies from $17 to $45 anywhere.

Auto insurance companies should be the one to file and then pass the fee along to the policyholder as part of their premiums. So, if you want to file a SR-22, just contact your auto insurance provider irrespective of the filing fee and any changes to their policy.

Who Offers SR-22 Certificates?

Any licensed Auto insurance company in United State can file a SR-22. If you are dropped by your current company, then find a new company. Ensure you find the one that won’t heavily penalize you for your conviction.

How Long Do You Need to Carry a SR-22

Depending on the state, drivers should carry their records anywhere for about three to five years. In as much as the policy is active, the SR-22 certificate still remains valid.

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But if a policyholder cancels the policy for any reason, their insurance company is required to notify proper state authorities. Once a policyholder no longer requires a SR-22 form, or if the SR-22 period expires, the driver’s auto insurance provider will file a SR-26 effectively ending the sponsorship on their behalf.