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: Jul 1, 2021

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Don't Forget These Facts

  • Liability coverage is mandatory in most states
  • Traffic violations, accidents, or a DUI conviction are examples of what requires SR-22 insurance
  • You can pay up to 50% more for SR-22 auto insurance

Do you want to know the difference between SR-22 and liability coverage? SR-22 and liability coverage quotes are more expensive than standard auto insurance.

If SR-22 forms increase auto insurance, why do you need an SR-22? Don’t worry – we’re here to explain everything you need to know.

Read through this guide to learn who requires SR-22 insurance, how you can get SR-22 and liability coverage rates, and where you can find FR-44 insurance.

Once you learn about factors that determine affordable SR-22 and liability coverage, enter your ZIP code above to compare affordable SR-22 insurance quotes from auto insurance companies near you for free.

SR-22 and Liability Auto Insurance: What to Know

The minimum car insurance requirement in most states is liability insurance. Liability coverage is made of many parts and varies for each state.

Here’s a list of things that are usually listed under liability auto insurance.

  • Bodily Injury Liability
  • Property Damage Liability
  • Uninsured/Underinsured Motorist Coverage (UM/UIM)
    • UM Bodily Injury
    • UM Property Damage
    • UIM Bodily Injury
    • UIM Property Damage
  • Personal Injury Protection (PIP)
  • Medical Payments (MedPay)

Liability insurance covers bodily injury and property damage of another driver when you’re at fault in an accident. Some states only require bodily injury liability and property damage liability. But other states include UM/UIM and PIP.

Where does SR-22 fit into all of this? And how do I know if I need SR-22 insurance?

SR-22 and liability insurance is mandatory for high-risk drivers. Any driver who has too many accidents, traffic violations, or a DUI conviction must carry SR-22 as it proves that they meet the minimum liability auto insurance requirements in their home state.

How do I get SR-22 auto insurance?

Contact your car insurance company and let them know you need SR-22 insurance. The auto insurance company will give you an SR-22 form to complete.

It costs between $15 to $35 for an application fee. Once you’re done, the car insurance company sends your SR-22 request to your local DMV for processing.

Expect to wait for your SR-22 status for 30 days, which is the time it takes for the SR-22 form to process.

How long does SR-22 auto insurance last?

Most SR-22 certifications last for three years. However, some states may ask you to carry it for up to five years.

It all depends on your driving record. North Dakota is the only state that has an SR-22 filing period that lasts one year.

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How much does SR-22 and liability auto insurance coverage cost?

According to the National Association of Insurance Commissioners (NAIC), the average liability auto insurance rates are $48 per month. SR-22 insurance can increase your rates by 50%. Therefore, the average liability insurance rates for drivers with SR-22 are about $73 per month.

That doesn’t sound too bad. However, your rates are based on personal factors and the company that has your auto insurance policy.

It’s challenging to secure affordable SR-22 and liability car insurance rates, but there is a way. High-risk drivers can still get a hold of discounts and shop around for quotes. Before you buy SR-22 and liability coverage, take a few hours to shop around for cheap SR-22 insurance.

Do I need SR-22 and liability auto insurance if I don’t own a car?

The short answer is yes. If you plan on driving a car that you don’t own, you’ll need non-owner car insurance. It works the same as standard auto insurance, but it’s more expensive and covers liability situations.

You’ll also need SR-22 attached to your non-owner policy if you have a bad driving record.

What’s the difference between SR-22 and FR-44?

SR-22 insurance requires high-risk drivers to have the minimum auto insurance requirements. Meanwhile, FR-44 insurance requires that high-risk drivers have double the minimum car insurance requirements.

Here’s an example that shows the difference between the SR-22 and FR-44.

  • SR-22 Requirement
    • $25,000 for bodily injury of one person per accident
    • $50,000 for bodily injury of multiple people per accident
    • $25,000 for property damage per accident
  • FR-44 Requirement
    • $50,000 for bodily injury of one person per accident
    • $100,000 for bodily injury of multiple people per accident
    • $50,000 for property damage per accident

FR-44 is only required in Florida and Virginia. Meanwhile, SR-22 is required in 44 states.

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SR-22 and Liability Coverage: What’s the bottom line?

Liability auto insurance is required for all drivers who want to drive in most areas in the United States. SR-22 insurance is designed for drivers who have too many driving infractions on their driving record and acts as certification to prove that high-risk drivers are carrying liability coverage.

Now that you know more about SR-22 and liability coverage, use our free online quote tool to compare multiple companies in your local area. Enter your ZIP code below to get free SR-22 car insurance quotes today.