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: Aug 9, 2021

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Don't Forget These Facts

  • SR-22 auto insurance often refers to a state form that is used to verify that you meet the state minimum car insurance requirements
  • Drivers with a learner’s permit do not necessarily need learner’s insurance
  • Many insurance companies have methods in place for members to extend their insurance policy to learners, often at a reduced cost
  • SR-22 forms are still required for drivers that don’t own a car, often as a non-owner or an operator agreement

If you received a statement or court decision requiring that you submit an SR-22 form or proof of insurance, you’re likely wondering where to obtain such a form and why exactly you need it. On the other hand, you may have a teenager eager to get on the road as soon as they can.

Whether you’re looking to buy SR-22 and learner’s permit insurance, have questions about needing an SR-22 without a car, want to know which insurance companies accept learner’s permits, or have other important high-risk driving questions, read on.

You can also use our free online quote comparison tool to find affordable SR-22 and learner’s permit auto insurance rates. Enter your ZIP code above to get started.

What is SR-22 auto insurance?

Most states have a minimum liability requirement for car insurance. In other words, a driver must have car insurance that covers at least a certain minimum amount of damage.

The SR-22 auto insurance form is simply a statement from your insurance provider verifying that you meet the state’s minimum liability requirement. Generally, the state or courts will look at a driver’s history decide if a person needs an SR-22 form based on the risk they pose.

Examples could include a history of reckless driving, DUI’s, a suspended license, etc. Many states list examples of what may bring a court to decide an SR-22 form is needed.

Depending on why you need SR-22 insurance, different states have varying laws that dictate how long you must keep your SR-22. You can see the different state requirements in the table below:

SR-22 Holding Time Requirements by State
StatesRequired SR-22 Holding Time
ArizonaMinimum of three years
CaliforniaMinimum of three years
ColoradoThree years
FloridaSR-22 or FR-44 for three years
IllinoisThree years
MissouriMinimum of two years
OhioThree to five years
Texas Two years
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These time requirements were put into place to help ensure that those that need SR-22 insurance pose less of a risk.

Is SR-22 auto insurance just a statement of financial responsibility?

Some may be familiar with state requirements for proof of financial responsibility in case of accidents. The requirements and distinctions between this and SR-22 car insurance vary from state to state.

The general difference between the two is that SR-22 insurance is a reactionary requirement that is only needed after some issues with your license. In other words, SR-22 requirements generally come up when your driving has landed you in court (typically more than once).

On the other hand, proof of financial responsibility can come up for a variety of reasons depending on state law, with the most general being the proof that you as a driver can pay for the damage caused by your vehicle, regardless of fault.

This requirement applies to all licensed drivers of a given state to ensure that in case of an accident the damages will be paid for regardless of the insurance policies that each individual may have.

Due to the possible confusion between proof of financial responsibility and SR-22 insurance, some states like Nebraska or Texas use the term interchangeably with proof of insurance (the SR-22 form being the driver’s proof of insurance).

Furthermore, some states allow an SR-22 form to be submitted as proof of insurance under a variety of different circumstances while others do not, so make sure to research exactly what your state expects based on your situation.

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Does a learner driver need insurance?

Simply put, every driver on the road needs auto insurance, including learners. Oftentimes, policy owners can extend their insurance to their children at a lower cost than a fully licensed driver.

While the requirement for a learner to have insurance may vary from state to state, most insurance companies want learners to be covered. Furthermore, at such a cheap cost, policy owners likely want to make sure their vehicles are safe by covering any new drivers.

What insurance companies accept learner’s permits? Some companies that may fall under this list include American Family, GEICO, Liberty Mutual, Nationwide, Progressive, and State Farm.

However, they may have certain requirements, such as receiving your license within 30 to 45 days after beginning your learner’s permit policy.

Some of these companies may function as both an SR-22 and learner’s permit auto insurance company, but you should know that many auto insurance companies will have higher rates for high-risk drivers.

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

SR-22 auto insurance is focused on the driver, so licensed drivers still need SR-22 insurance without a vehicle. The only difference is that drivers without a car must file for a non-owner SR-22 policy.

For a better general idea, you may want to search the web for more information on your state’s requirements.

Once you know your state’s requirements, you will be better able to understand what you will kind of policies you will need to meet the SR-22 or learner’s permit insurance requirements.

Should I buy SR-22 and learner’s permit auto insurance?

If your state files a conviction or mandates that you complete an SR-22 auto insurance form, then you should buy an SR-22 compliant insurance policy if you plan on continuing to drive.

Driving without an SR-22 form in such a situation could lead to further conviction and punishment if you are pulled over or recognized as driving without it.

If the state decides that you must submit an SR-22 form, you are only risking your finances and well-being by driving without submitting one first.

Unlike SR-22 insurance, a learner’s policy is not always required since there isn’t a state requirement. That being said, many insurance companies prefer that you cover learners who will be using your vehicles.

Furthermore, many companies not only accept learner’s permits, but they also offer ways for policy owners to extend their insurance to learners at a reduced cost. For competitive SR-22 and learner’s permit auto insurance quotes, enter your ZIP code into our free quote comparison tool below.