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 3, 2021

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Don't Forget These Facts

  • SR-22 isn’t insurance coverage but a certificate that proves you have an insurance policy in place
  • If you currently carry both comprehensive and collision policies, then your SR-22 insurance is full coverage
  • Minimum liability SR-22 will have cheaper rates than full coverage SR-22 insurance

Is SR-22 insurance full coverage or liability? The answer to that depends on what kind of car insurance policy you carry. If you currently carry full coverage auto insurance, then your SR-22 insurance will also be full coverage. 

Read our guide below to learn more about SR-22 insurance policies and where to find cheap SR-22 insurance in your state. 

Ready to buy SR-22 insurance that’s full coverage? Enter your ZIP code above to get free SR-22 insurance quotes from local companies near you.

What is SR-22 insurance?

SR-22 insurance isn’t insurance coverage at all but rather a certificate that acts as proof of insurance. This proof is necessary if you want to drive again after you’re caught driving uninsured or otherwise lose your license. 

If you carry a full coverage car insurance policy, then your SR-22 insurance will be full coverage. Most state laws only require drivers to carry minimum liability insurance to file an SR-22, but you may want to pay more for full coverage to guarantee you’re covered in an accident no matter who is at fault.

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How much does SR-22 insurance cost a month?

Since SR-22 isn’t insurance, it doesn’t have a monthly cost. Filing an SR-22 will cost you a $25 one-time fee, but having to carry SR-22 long-term can raise your monthly car insurance rates.

SR-22 insurance is considered non-standard, and most insurance companies charge more for drivers who are high-risk and need non-standard policies. If you choose full coverage SR-22 insurance over the minimum liability, you will also pay more.

Your monthly SR-22 insurance costs can vary depending on your age, driving record, and the state you live in. Comparison shop online with multiple companies to find the cheapest SR-22 car insurance rates.

Does SR-22 cover any car I drive?

Yes, an SR-22 will cover any car you drive. You must file for non-owner SR-22 insurance for coverage to apply to any vehicle you drive, and you will also need this kind of policy to get SR-22 without owning a car.

Non-owner SR-22 insurance is filed as either an operator’s or owner-operator’s certificate. Both cover any car you drive, but if you own a vehicle then you must carry an owner-operator’s SR-22 certificate.

Non-owner SR-22 insurance is full coverage too, as long as you are carrying a full coverage car insurance policy. Start shopping for affordable full coverage SR-22 insurance here with our free comparison tool below. Enter your ZIP code to get started.