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 21, 2021

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Don't Forget These Facts

  • An SR-22 is a form filed with your state proving you meet the minimum car insurance requirements
  • SR-22 and full coverage is an option for virtually every driver
  • After you file an SR-22, you can expect your rates to cost at least twice as much

Accidents happen. Sometimes those accidents can seriously impact your future.

If you have been convicted of certain crimes or have been caught driving without insurance, you may need to pursue an SR-22 filing with your state.

An SR-22 does not typically require full coverage on your vehicle. Rather, it is a promise to your state that you are covered in the event of an accident in which you may be held liable. SR-22 and full coverage car insurance options are available for almost every driver.

Are you searching for SR-22 insurance? Enter your ZIP code into our free tool above to find affordable SR-22 and full coverage car insurance that works for you.

Does an SR-22 require full coverage?

An SR-22 is a certificate filed with your state acknowledging that you carry the minimum required amount of car insurance.

Also known as a certificate of financial responsibility, an SR-22 is not a type of insurance. It’s a document you file with your state’s department of motor vehicles. Some states may require alternatives, like an FR-44.

While you can receive full coverage with an SR-22, it is not required.

An SR-22 is a document stating that you carry the legal minimum requirements for car insurance in your state. Because full coverage is not mandatory for most states, you will not be required to carry full coverage on your vehicle.

In addition to liability, you may be required to carry uninsured/underinsured motorist coverage when you file an SR-22. This depends on your state laws. Check with your state’s department of motor vehicles for more information.

If you’re curious whether you can get full coverage with an SR-22, the answer is “probably.” In most instances, filing an SR-22 still leaves you open to having additional coverage options on your car insurance policy.

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Who needs an SR-22?

Most people will not need an SR-22. An SR-22 is typically required if you’ve been caught driving without insurance, without a valid license, or under the influence of drugs or alcohol.

Typical reasons you might need to file an SR-22 form include:

  • DUI or DWI conviction
  • Driving without enough insurance
  • Too many at-fault accidents or violations
  • Repeat offenses
  • Failure to pay court-ordered child support
  • Hardship license requirements

If you need an SR-22, you will typically be informed by your state. If the SR-22 is court-ordered, the judge will let you know at the hearing. If it is state-ordered, you’ll typically receive a letter from your state’s department of motor vehicles.

How do I get an SR-22?

If your current car insurance company offers SR-22 filings, you simply need to inform them of your situation. The company will add an SR-22 endorsement to your existing policy and subsequently file the document with your state.

If you are without insurance coverage, or if your current insurance company doesn’t offer SR-22 filings, you will need to find a new car insurance policy.

Many car insurance companies do not offer SR-22 coverage. Because of this, it will be in your best interest to inform any company you plan to do business with immediately that you need an SR-22. This should save you some time and effort.

How much does SR-22 full coverage insurance cost?

When your insurance company files an SR-22, you will likely be charged a filing fee that will cost anywhere from $20 to $50. This is a one-time fee that you will not have to worry about in the future.

The true concern for the cost of your insurance is the increase in rates. The violation that resulted in an SR-22 requirement will likely cause your car insurance rates to increase.

While there is no way to know the exact SR-22 and full coverage car insurance quotes you would receive from different companies, the amount your rates will increase is dependent upon your infraction(s).

For example, a DUI or DWI will typically cause rates to increase up to 89%.

If you Buy SR-22 and full coverage car insurance it will increase your rates even more, as full coverage is more expensive than your state’s minimum requirements.

There is no specific SR-22 and full coverage car insurance company you should be searching for. The best way for you to know how much your rates will increase is to search for different types of coverage from multiple companies.

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Do I need SR-22 and full coverage if I don’t own a car?

Your state may require you to file an SR-22 even if you do not own a vehicle. If this is the case, you will file an SR-22 with the state and pursue non-owner SR-22 insurance which will cover you if you are in an accident while driving someone else’s vehicle.

This non-owner insurance will meet the legal minimum requirements for liability coverage but will not include full coverage for the car you are driving.

If you are searching for the lowest SR-22 and full coverage car insurance rates, be sure to enter your ZIP code below to better understand your options.