A certificate your insurer files with the state to prove you carry the required liability coverage. Here is how it works and how fast we can get yours filed.
You will see it written as SR22, SR-22 and SR 22. They are all the same filing.
An SR-22 is not an insurance policy. It is a form your insurance company files with the state to certify that you carry at least the minimum required liability coverage. It is usually required after a DUI or DWI, driving without insurance, an at-fault accident while uninsured, too many points on your license, or a license reinstatement.
Because it is a certificate rather than a product, you need an active auto policy first. The filing is then attached to that policy. If the policy lapses, the insurer notifies the state, and your license can be suspended again.
The filing itself is cheap — usually a one-time fee of a few tens of dollars. The expense comes from the violation behind it, and that is where companies disagree enormously. The same record can price hundreds of dollars apart between two carriers, because each weighs violations against its own claims experience, and some will not make the filing at all.
That spread is the entire argument for comparing after a violation rather than taking the first quote you find. If you do not own a vehicle, a non-owner policy satisfies the filing at a lower premium than a standard policy. More on what an SR-22 does to your rate.
Most states require the filing to stay in place for around three years, though the exact period depends on the offense and the state, and the clock usually starts at the reinstatement date rather than the date of the incident. Missouri, Kansas and Oklahoma each set their own terms, so confirm your end date with the licensing agency rather than assuming.
We submit SR-22 filings electronically, so there is no form for you to mail to the state. Get the policy in place with us and the filing goes out the same day; the Department of Revenue then has to process it and update your driving record, which typically takes up to five days.
We submit SR-22 filings electronically, so there is no form for you to mail to the state. Electronic filings are typically transmitted quickly, but the Department of Revenue still has to process the filing and update your driving record, and that typically takes up to five days.
The filing itself carries only a small fee. The increase comes from the violation behind it, which moves you into a higher risk tier with most carriers. Rates vary considerably between companies for the same driver, which is why comparing carriers matters more after a violation than before one.
Your insurer is required to notify the state, which generally leads to suspension of your license or registration and restarts the filing period. Keeping the policy continuously in force is the whole point of the certificate.
There is a non-owner version that provides liability coverage when you drive a vehicle you do not own, and it satisfies the filing requirement for many drivers in that situation.
Yes, we are licensed in all three states. Requirements and filing periods differ by state, so tell us which state issued your license and we will confirm what applies.
A filing can be made against a motorcycle policy as well as a car policy, provided the carrier will file it. Tell us what you actually ride or drive.
A non-owner policy satisfies the filing requirement and usually costs less than a standard policy.
We file electronically, usually the same day the policy is in force. Tell us where things stand and we will get moving.