What Is SR22?

What is SR22?

If you need more information about what is SR22, we're here to answer your questions. Call us or get an SR22 quote now.

What is SR22?

Last updated on February 9th, 2018 by

What is SR22? It is an attachment (rider, endorsement) to an auto insurance policy that is filed with a state’s Department of Motor Vehicles by an insurance provider licensed in that state.

SR22 insurance is also called a certificate of insurance or financial responsibility form, and must be filed by drivers who have motor vehicle violations resulting in suspension of their driver’s license. It is a means for the state Department of Motor Vehicles to track and monitor the driver to ensure that they keep in force the mandated liability insurance required by the state at all times during their license suspension period. Most states usually require high risk insurance to be carried for three years without lapse of coverage.

Your certificate must be filed with the state DMV for license reinstatement, and can be purchased with or without ownership of a vehicle. When an individual who needs this filing does not own a vehicle, they will purchase non owner SR22 insurance.

Common reasons for an SR22 insurance requirement include motor vehicle violations such as driving without a valid driver’s license, excessive points against a driver’s record (multiple traffic offenses), driving without liability insurance coverage, driver’s license suspension or a DUI or DWI conviction. This type of insurance can also be required after legal judgments involving non-payment of child support, etc. In Virginia and Florida, an FR44 insurance certificate is required specifically for DUI or DWI related license suspensions, and the premiums are higher than for SR22 insurance in these states.

UltraCar Insurance specializes in high risk insurance, including SR22 insurance, FR44 insurance in Florida and Virginia, Indiana SR50 insurance, Georgia SR22A insurance, SR22 or FR44 motorcycle insurance – as well as standard auto and motorcycle insurance policies. If you own a business with commercial vehicles, an SR22 filing can also be attached to a commercial auto insurance policy. All of our agents are licensed in the states shown on our website. When you need answers to your questions about what is SR22 insurance, let UltraCar Insurance help. Give us a call today for your competitive SR22 insurance quote!


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