Do I need SR-22 insurance and regular insurance? This question is about SR-22 Insurance Guide

No, you do not need SR-22 insurance and regular insurance because SR-22 insurance is the same thing as regular insurance but for high-risk drivers who are required to have an SR-22 form on file with their state’s DMV. In other words, SR-22 insurance is just the combination of an SR-22 form and regular insurance. Key Things to Know About SR-22 Insurance and Regular Insurance An SR-22 is a form that high-risk drivers are sometimes required to have on file with their state’s DMV after certain violations, like driving without insurance and DUIs. The form shows the state that the driver has auto insurance. Drivers who need SR-22s usually pay significantly more for insurance than other drivers - $741 to $1,465 per year for SR-22 insurance versus $716 per year for good drivers. SR-22s are required to be on file for 1 to 5 years, depending on the state, and the driver must maintain coverage that entire time. Any lapse in coverage can cause the time to restart. Only 39 states and the District of Columbia require SR-22s, and only after certain traffic law violations. Anyone with a registered vehicle typically needs to have regular insurance in every state. To learn more, check out WalletHub’s guide to SR-22 insurance.

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Do I need SR-22 insurance and regular insurance?

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This question is about SR-22 Insurance Guide

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McKayla Girardin, Car Insurance Writer

@mckayla_girardin • 04/08/22 This answer was first published on 04/08/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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No, you do not need SR-22 insurance and regular insurance because SR-22 insurance is the same thing as regular insurance but for high-risk drivers who are required to have an SR-22 form on file with their state’s DMV. In other words, SR-22 insurance is just the combination of an SR-22 form and regular insurance.

Key Things to Know About SR-22 Insurance and Regular Insurance

An SR-22 is a form that high-risk drivers are sometimes required to have on file with their state’s DMV after certain violations, like driving without insurance and DUIs. The form shows the state that the driver has auto insurance.

Drivers who need SR-22s usually pay significantly more for insurance than other drivers - $741 to $1,465 per year for SR-22 insurance versus $716 per year for good drivers.

SR-22s are required to be on file for 1 to 5 years, depending on the state, and the driver must maintain coverage that entire time. Any lapse in coverage can cause the time to restart.

Only 39 states and the District of Columbia require SR-22s, and only after certain traffic law violations.

Anyone with a registered vehicle typically needs to have regular insurance in every state.

To learn more, check out WalletHub’s guide to SR-22 insurance.

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

To find out if you still need an SR-22, contact your local DMV office and ask if your SR-22 form has been filed for the required period of time. If it has, you can then contact your car insurance company and request that they remove your SR-22 filing with the state. Each state has its own requirements, but you usually only need an SR-22 for about three years.

You should never cancel your SR-22 filing...

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How long do you need an SR-22?

You need to have an SR-22 for 1-5 years, depending on which state you live in. If your auto insurance coverage lapses at any point in this period, your insurance company is legally obligated to notify the state and your SR-22 time will be reset.

Examples of How Long You Need an SR-22 by State

State	Minimum SR-22 Filing Period (in Years)
...	3

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What's the difference between SR-22 and regular insurance?

The difference between SR-22 and regular insurance is that SR-22 insurance is for high-risk drivers who are convicted of major moving violations, while regular insurance is for anyone who drives a car. The underlying insurance coverage is the same, but the SR-22 designation will make that coverage more expensive. An SR-22 is a form that an insurer files with the state to show that a driver has the legally required amount of insurance. Regular insurance...

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