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

  • SR-22 proves that you have liability coverage as a high-risk driver
  • If you still finance your car, you need to carry full coverage auto insurance
  • An SR-22 attached to your policy increases your rates up to 50%

Have you been ordered to buy SR-22 insurance? SR-22 auto insurance isn’t really insurance at all, but it does prove that you have coverage. So what is SR-22 insurance, and why do you need SR-22 car insurance?

Our guide explains what you should know about SR-22 and property damage liability coverage. In addition, we’ll explain why non-owner SR-22 insurance is required for drivers who don’t own a car.

After you learn everything about SR-22 and property damage liability insurance coverage, enter your ZIP code in the free online quote tool above to compare multiple SR-22 insurance companies in your local area.

SR-22 and Property Damage Liability Coverage: What to Know

SR-22 car insurance isn’t insurance – it’s a certification that says that a high-risk driver carries the minimum car insurance requirements.

But what does it have to do with property damage liability coverage? SR-22 insurance shows that you have liability insurance.

Bodily injury liability and property damage liability are part of the liability coverage required by most state laws. Property damage liability covers the damage to another person’s car or other property when you’re at fault in an accident.

What does SR-22 auto insurance cover?

SR-22 requires liability coverage. Therefore, it provides coverage for another driver when you’re at fault in a car accident.

Since SR-22 car insurance only requires the minimum requirements, you won’t have to worry about adding collision and comprehensive coverage. However, a car you’re still making payments on needs full coverage.

How long does SR-22 auto insurance last?

SR-22’s filing period lasts for three years. Some states have SR-22 terms that last for two or five years, but there aren’t many.

Why do some drivers need SR-22 auto insurance?

There are a few reasons why drivers need SR-22 insurance. Here’s a list of reasons why you may need SR-22.

  • Driving without auto insurance or insufficient insurance
  • Driving with a suspended license, expired registration, or improper qualifications
  • One of more DUI/DWI charges
  • You’ve had too many car accidents
  • Multiple traffic violations in a short period

Getting SR-22 insurance isn’t a bad thing. SR-22 certification restores your driving privileges and makes commuting possible as a high-risk driver.

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How much is SR-22 auto insurance?

SR-22 certification costs $15 to $35. However, the answer many people look for is how much it increases car insurance rates.

An SR-22 form attached to your car insurance policy can increase your monthly rates by at least 30%. In most cases, SR-22 can increase your auto insurance rates by 50%.

Here’s an example of what car insurance looks like with and without SR-22 insurance.

  • Full Coverage Auto Insurance Rate w/ SR-22 – $135/mo
  • Liability-Only Coverage Auto Insurance Rate w/ SR-22 – $73/mo
  • Average Full Coverage Auto Insurance Rate – $90/mo
  • Average Liability-Only Coverage Auto Insurance Rate – $48/mo

The average monthly rates are based on the data from the National Association of Insurance Commissioners (NAIC).

These rates will vary based on a few personal factors and the company where you buy car insurance, so shop around and compare SR-22 car insurance quotes before you buy an SR-22 form.

Where can I buy SR-22 auto insurance?

Most car insurance companies provide SR-22 forms. You’ll need to request SR-22 from your auto insurance company, and it will send your SR-22 request to your local department of motor vehicles (DMV or BMV).

Do I need to file SR-22 auto insurance if I don’t have a vehicle?

The short answer is yes. Non-owner SR-22 car insurance is necessary when you don’t own a car, but you’re permitted to drive someone else’s car.

You’ll pay more for non-owner auto insurance, but it’s better than not having auto insurance.

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

Property damage liability coverage is part of liability insurance coverage. When you get SR-22, you can prove to the state that you have the minimum auto insurance requirements, which include property damage liability.

It’s difficult to secure the average liability auto insurance rates, but cheap SR-22 insurance can be obtained through discounts.

Now that you know more about SR-22 and property damage liability, use our free comparison tool to compare affordable SR-22 auto insurance quotes from companies near you.

Frequently Asked Questions: SR-22 and Property Damage Liability Coverage

Before we wrap up this guide, let’s answer a few frequently asked questions about SR-22 and property damage liability.

#1 – What’s the difference between SR-22 and FR-44 auto insurance?

SR-22 insurance requires the minimum car insurance requirements, but FR-44 insurance requires that you carry double the minimum requirements. FR-44 is only available in Florida and Virginia.

#2 – Do I need uninsured/underinsured motorist property damage liability coverage?

It depends on the state. Some states require that you carry uninsured/underinsured motorist (UM/UIM) coverage. UM/UIM has two parts to it, which are bodily injury and property damage.

#3 – What happens if my auto insurance lapses with SR-22?

Your car insurance company will inform your local DMV, and you could lose your driving privileges.