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 owner’s certificates are for drivers who own and drive their own vehicles
  • SR-22 operator’s vs. operator-owner’s certificates act as non-owner SR-22 insurance for drivers who don’t own a vechile
  • Knowing the difference between SR-22 operator’s certificate vs. owner’s certificate vs. operator’s-owner’s certificate can speed up the process to reinstate driving privileges

If you’ve lost your license, you might need to file an SR-22 to reinstate your driving privileges.

There are different types of SR-22 forms and knowing the difference between SR-22 operator’s certificate vs. owner’s certificate vs. operator’s-owner’s certificate will make this process move quickly and easily. 

SR-22 insurance laws vary for each state, so keep reading to learn more about SR-22 requirements, how much SR-22 insurance costs a month, and how to get SR-22 removed. 

Already know which SR-22 operator’s certificate vs. owner’s certificate vs. operator’s-owner’s certificate you need? Start comparing free quotes from local companies before you buy SR-22 insurance coverage. Enter your ZIP code above to get started.

What are the differences between SR-22 operator’s certificate vs Owner’s Certificate vs Operator-owner’s certificate?

SR-22 insurance certificates aren’t actual coverage. Rather, the certificates prove you carry the compulsory level of insurance required to drive in your state. 

There are three types of SR-22 insurance certificates that prove coverage is in place and grant drivers different privileges:

  1. Operator’s Certificate: Driver can operate any vehicle, even if they don’t own the vehicle
  2. Owner’s Certificate: Driver can operate only the vehicles they own
  3. Operator’s-Owner’s Certificate: Driver can operate any vehicle, including the ones they own

If you own your vehicle and intend to drive just that vehicle while your license is suspended, you will need an owner’s certificate. 

If you plan to drive company vehicles, rentals, or someone else’s car, you can ask your provider for either an operator’s certificate or an operator’s-owner’s certificate to act as your non-owner SR-22 insurance coverage.

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How much does SR-22 insurance cost a month?

Your car insurance rates are likely to go up with SR-22, and certain types of vehicles come with more expensive SR-22 insurance quotes, so it’s important to shop around with multiple companies to get the best rates.

Take a look at the table below to see what you can expect to pay in monthly SR-22 insurance costs with different companies:

Average Monthly Auto Insurance Rates Based on Driving Record

Insurance CompanyAverage Monthly Insurance Rates with a Clean Driving RecordAverage Monthly Insurance Rates with One AccidentAverage Monthly Insurance Rates with One DUIAverage Monthly Insurance Rates with One Speeding Ticket
USAA$161.14$209.69$292.17$182.77
Geico$178.83$266.06$406.32$220.45
American Family$224.47$310.23$360.85$252.15
Nationwide$228.85$283.08$378.60$259.47
State Farm$235.10$283.00$303.07$265.50
Progressive$282.76$398.09$330.80$333.52
Travelers$287.31$357.48$478.45$355.07
Farmers$288.38$376.56$393.23$339.92
Allstate$318.33$415.64$521.73$373.63
Liberty Mutual$397.86$517.06$634.46$475.11

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Not every insurance company offers SR-22 insurance coverage. If your provider drops you, it’s important to find new coverage immediately before you face charges for driving without car insurance.

Can I get an SR-22 from a different insurance company?

Yes, you can get SR-22 from a different insurance company regardless of whether your provider drops you or not. 

You may face penalties for canceling or changing providers before your insurance period ends, but some insurance companies allow customers to cancel whenever they want. This gives you the opportunity to shop around with multiple companies and compare quotes.

How do you get SR-22 insurance removed?

The only reason you need to remove SR-22 insurance before the end of your required period is if you’re switching insurance companies. Once you have served the terms of your SR-22 insurance requirements, you can call your insurance company to cancel. 

If you cancel SR-22 early, you will lose your license again and have to start the process over from the beginning. 

Now that you know the differences between SR-22 operator’s certificate vs. owner’s certificate vs. operator’s-owner’s certificates, start shopping for affordable SR-22 insurance quotes online. Enter your ZIP code below to get free quotes from local companies near you.