Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Jun 4, 2021

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Don't Forget These Facts

  • Your insurance company will file an SR-22 with the state DMV on your behalf
  • If your provider doesn’t offer SR-22 filings, you may lose coverage
  • You will not be able to get an SR-22 form without an active car insurance policy

How to get an SR-22 is as easy as calling up your current insurance provider and asking if they file SR-22s. As long as your company offers SR-22 filings, they will add an endorsement to your policy and file the paperwork with the state insurance department. 

If you’re currently uninsured or your provider does not offer high-risk policies, you will need to find car insurance coverage as soon as possible.  You will not be able to get an SR-22 form without an active auto insurance policy.

Read our insurance guide now to learn how to get an SR-22 in your state and where to find cheap SR-22 insurance quotes.

If you need SR-22 insurance, GEICO and State Farm SR-22 insurance is available, but you can shop around before you learn how to get an SR-22 to lock in the cheapest rates possible. Enter your ZIP code above to compare quotes from local companies for free.

How do I get an SR-22?

SR-22 insurance is only required for drivers who have lost their licenses due to DUI charges, reckless driving, or other traffic violations. If you need an SR-22 to reinstate your driving privileges, the judge will let you know at your hearing or the DMV will contact you through the mail. 

All you have to do to get an SR-22 is call your insurance agency and ask for an SR-22 filing. Your provider will file the paperwork for you and contact the DMV on your behalf to let them know you’re carrying the mandatory levels of insurance in your state. 

Be aware that your insurance company will likely raise your car insurance rates with an SR-22 and will also add any filing costs to your insurance bill that month.

Not every insurance company files SR-22, and you may lose coverage with your current provider if they don’t offer high-risk car insurance. If you don’t have insurance, you will not be able to obtain an SR-22.

How to Get an SR-22 in a Different State

If you move while SR-22 insurance is still required, or you are charged with a traffic violation in another state that costs you your license, you may still be required to carry SR-22 in a different state.

State laws vary when it comes to SR-22 insurance, and not every state requires it. Read our SR-22 state guide before you file an SR-22 to make sure you need one. 

If you do need an SR-22 in a different state, simply tell your insurance company to file your SR-22 with that state’s DMV.

How to Get an SR-22 if You Don’t Own a Car

You don’t need to own a car to get an SR-22. If you regularly drive a vehicle for work or borrow vehicles from friends or family, you can file non-owner SR-22 insurance

When you contact your insurance provider to get an SR-22, simply tell them you want to file an operator’s certificate. This will act as proof of insurance that applies to any vehicle you drive.

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How do I find out if I still need an SR-22?

Drivers are typically required to carry SR-22 insurance for 3-5 years, but this can vary depending on your state laws and the type of violations on your driving record. 

To find out if you still need to buy SR-22 insurance, call the DMV and ask if your form has been filed for the required amount of time. If yes, you can then call your insurance provider to remove the SR-22 from your policy.

Now that you know how to get an SR-22, shop around for affordable SR-22 insurance quotes from local companies to get the best rates. Enter your ZIP code below to use our free quote comparison tool.