SR-22 Insurance Basics
An SR-22 is not an insurance policy. It is usually a state-required filing that proves you carry the required minimum liability insurance.
When Is SR-22 Required?
Requirements vary by state, but SR-22 filings can follow serious traffic offenses, driving without insurance, or multiple violations within a short period.
How Long Does It Last?
In many states, drivers must maintain SR-22 status for multiple years. If coverage lapses, your insurer may notify the state and your license could be suspended again.
Cost Considerations
You may pay a filing fee plus higher insurance premiums. Shopping carefully and keeping continuous coverage can help reduce long-term costs.
Avoid Common Errors
Do not cancel your policy early. Confirm your state-specific requirement end date before removing the filing.