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

  • Major traffic violations such as reckless driving, negligent driving, DUI/DWI, and driving without insurance can result in a suspended license
  • You will need to file an SR-22 form to reinstate your license after suspension or revocation
  • If your insurance company offers SR-22 filings, they will file the form with the state DMV on your behalf

Drivers with a suspended license due to DUI need an SR-22, and other major moving violations such as reckless driving also require an SR-22 form to reinstate driving privileges.

If you recently lost your license, you will need to start shopping around for SR-22 car insurance because a standard policy will no longer apply to you.

Why is SR-22 required? An SR-22 filing acts as proof of insurance, and you will not be able to reinstate your license without an active auto insurance policy. Read our guide to learn how to get an SR-22 form in your state and the different types of SR-22 insurance available to you.

Need to buy SR-22 after a major moving violation such as reckless driving? Shop around to get the cheapest rates. Enter your ZIP code above to start comparing SR-22 insurance quotes from local companies for free.

Who needs SR-22 car insurance?

Driving without insurance or driving while intoxicated will require an SR-22, and major moving violations such as reckless driving and negligent driving also need an SR-22 filing.

Other offenses that often require SR-22 insurance include:

  • Multiple speeding tickets
  • Accumulating too many points against your license
  • Found at fault for an accident while driving uninsured
  • Failure to maintain minimum liability coverage
  • Failure to pay child support

Not every state requires SR-22 insurance, and drivers in Pennsylvania, Oklahoma, North Carolina, New York, New Mexico, Minnesota, Kentucky, and Delaware will not need to file any SR-22 paperwork. Read our SR-22 state guide to learn more about what’s required in your state.

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What are the different types of SR-22 forms?

There are three types of SR-22 forms:

  1. Owner’s certificates, which apply to coverage on vehicles owned by the driver
  2. Operator’s certificates, which apply to coverage on vehicles the driver borrows or drives for work
  3. Owner-operator’s certificates, which apply to coverage on vehicles the driver owns as well as any they may borrow or drive for work

Does sr22 cover any car I drive? Yes, depending on the type of SR-22 insurance you file. 

Each type of SR-22 filing applies to drivers differently, and you will need non-owner SR-22 insurance in the form of an operator’s certificate or an owner-operator’s certificate to apply to vehicles you drive that you may not own.

How do I get an SR-22?

If you need an SR-22 to reinstate your driving privileges, the judge will let you know at your hearing or the DMV will contact you through the mail. All you have to do to get an SR-22 is call your insurance agency and ask to have one added to your policy. 

Your provider will file the paperwork for you and contact the DMV on your behalf to let them know you’re carrying the mandatory levels of insurance in your state. If you don’t currently have insurance coverage, you will not be able to obtain an SR-22 until you get a policy. 

Not every insurance company files SR-22, and you may lose coverage with your current provider if they don’t offer high-risk car insurance. If your provider does offer SR-22, they will likely raise your insurance rates and add any filing costs to your insurance bill that month.

How do I find out if I still need an SR-22?

To find out if you still need an SR-22, call the DMV and ask if your form has been filed for the required amount of time. If yes, you can then call your insurance provider to remove the SR-22 from your policy.

Now that you know how to get an SR-22, and major moving violations such as reckless driving are on your record, start shopping around for affordable SR-22 insurance rates. Enter your ZIP code below to get free quotes from local companies today.