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: Nov 2, 2020

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What is SR22 Insurance Filing?

You may be wondering what this SR22 insurance filing you need is all about. All it is is a way for the DMV to verify that you keep your insurance policy up to date. The DMV has decided that they need to be extra watchful of your insurance coverage.

Who Needs SR22 Insurance Filing?

In most states, if you let your car insurance be cancelled you will need SR22 insurance filing done on your behalf. It is like an alert to the DMV. If you have managed to acquire a number of traffic violations over a short period of time, and have not yet lost your license, you will need to have an SR22 filed. People convicted of a DUI offense will also need SR22 documentation.

What States Do Not have SR22 Insurance Filing Requirements?

Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania do not have SR22 insurance filing requirements. It is important to note though, if you have been n an SR22 filing situation, and have not completed three years of compliance, you will still be required to have an SR22 filed in your previous state until your time is up. It will be up to you to make sure that your insurance company is capable of doing out of state SR22 insurance filings.

Often your insurance company finds out before you do that you will need to file an SR22. They will contact you and inform you of the situation. If you find out from the DMV you will be the one making contact with your insurance agent. Except for maybe pay a small fee for the paperwork, there is nothing left you need to do other than keep your car insurance current. The insurance company will take care of the actual SR22 insurance filing for you.