Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insu...

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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 Rachael Brennan

UPDATED: Feb 4, 2021

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You go to renew your vehicle’s registration and the person at the DMV counter tells you that you need to have your insurance company submit an SR-22 filing for you. You show her your current insurance card and she tells you that is not enough.

What is an SR-22 filing and why do you need one? An SR-22 filing is required when you have one of several violations on your record, ranging from driving without insurance to a DUI. If you need one, you should have been informed by your local DMV.

What is SR-22 insurance? That’s a common question, but it has a simple answer. An SR-22 isn’t insurance. It’s documentation that you have insurance. If you need to get insurance quotes for coverage so that you can file an SR-22, we can help. Enter your ZIP code now.

What is an SR-22 filing?

SR-22 Filing is documentation that an insurance company provides to the Department of Motor Vehicles verifying that you have proper automobile insurance coverage. The DMV requires motorists that are classified as “high-risk” to keep an SR-22 filed.

The filing itself is simply a form that says you have coverage that meets the state’s requirements.

When is an SR-22 Filing Required?

SR-22 filing requirements differ from state to state, and some states don’t’ require them at all.

The DMV will classify a person as “high-risk” and require an SR-22 filing for a variety of reasons. A common one is that the person has been caught driving without car insurance. If you accidentally let your insurance coverage lapse and did not turn in your license plates you could end up needing an SR-22 filed. If you have a coverage lapse while under SR-22
requirements the insurance company will immediately inform the DMV and your license will be suspended.

If you get a DUI conviction or have multiple moving violations in a short time span, you will need an SR-22 filed. There are other violations as well that can result in needing an SR-22

The Details of an SR-22 Filing

Not all states have SR-22 filing requirements. If you are required to have one, it is usually for a period of three years. Moving to a state that has no SR-22 filings does not negate your responsibility to the state you just left. Most insurance companies can file an out of state SR-22 document for you.

Finding out you need to have an SR-22 document filed is no big deal. Talk to your insurance company. Most companies will be able to take care of it for you.  The important thing is to keep an SR-22 filing in good standing until you don’t need it anymore.

It’s important to know that needing an SR-22 usually means you have violations on your record that might increase your insurance rates. You could save by shopping around. Enter your ZIP code to compare SR-22 insurance rates now.