Question 1

What is an SR-22 and who needs one?

Accepted Answer

An SR-22 is a certificate of financial responsibility that your insurance company files with your state DMV. It proves you carry at least the state minimum auto insurance. You typically need an SR-22 after a DUI/DWI conviction, driving without insurance, too many points on your license, or an at-fault accident while uninsured. It is not an insurance policy itself — it is a filing attached to your existing policy.

Question 2

How much does SR-22 insurance cost?

Accepted Answer

The SR-22 filing fee itself is typically $15-$25, which is a one-time charge. However, the real cost is the insurance premium increase. Having an SR-22 requirement typically increases your premium by 35-85% depending on the reason. A DUI can double or even triple your premium. Over a 3-year SR-22 period, you can expect to pay $3,000-$10,000 more than you would with a clean record.

Question 3

How long do I need to carry SR-22 insurance?

Accepted Answer

In most states, SR-22 filing is required for 3 years from the date of filing (not the date of the incident). Some states like Texas require only 2 years. The clock resets if your SR-22 coverage lapses for any reason — even for a single day. If you cancel your policy or let it lapse, your insurer will notify the DMV and your license will be suspended.

Question 4

Can I get SR-22 insurance from any company?

Accepted Answer

Not all insurance companies offer SR-22 filings. Many major insurers do (State Farm, GEICO, Progressive, etc.), but some may drop you after a DUI. Specialty or "non-standard" insurers like The General, SafeAuto, or Dairyland specialize in SR-22 policies and may offer competitive rates for high-risk drivers. Shopping around is critical since SR-22 rates vary dramatically between companies.

Question 5

What happens if I drop my SR-22 coverage early?

Accepted Answer

If your SR-22 coverage lapses or is cancelled before the requirement period ends, your insurance company is legally required to notify your state DMV within 30 days. Your driving privileges will be suspended immediately, and the SR-22 clock resets — meaning you start the full requirement period over again. Additionally, you may face fines, vehicle impoundment, or even arrest for driving on a suspended license.

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