Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
You’d know you have SR-22 insurance if you purchased car insurance coverage after being notified of an SR-22 requirement by your local DMV or a court. To see if you have an SR-22 filing requirement or confirm that an SR-22 is on file for you, you can check with your current insurance company or with your local DMV. You can also check your own driving record.
SR-22 insurance is required for drivers who have been determined to be “high-risk,” and an SR-22 is actually just a form your insurer will file on your behalf that proves you satisfy your state’s minimum insurance coverage requirements. Infractions that necessitate an SR-22 include being convicted of a DUI, receiving multiple traffic violations during a short period of time, and driving without insurance, among others.
How to Determine Whether You Have SR-22 Insurance
- Check with your insurer. If you have SR-22 insurance, your insurer is required to file an SR-22 form with your state’s DMV to verify that you meet your state’s coverage requirements. Your insurer will be able to tell you if you have an SR-22 insurance policy.
- Contact your local DMV. If you are required to have an SR-22 on file, you may have received a letter in the mail from the DMV. If you did not receive a letter but still are unsure whether you have SR-22 insurance, you can call or visit your local DMV in person and ask if you have an SR-22 filing requirement, or if your insurer filed an SR-22 on your behalf.
- Contact the appropriate court. If you were convicted of a serious traffic violation by a court recently, you may have been ordered to file an SR-22 and meet the corresponding insurance requirements in order to continue driving. If this is the case, you can check with the court in question.
- Check your driving record. Your driving record should list any SR-22 you have on file. It may also be referred to as a “certificate of financial responsibility.” An SR-22 will likely remain on your driving record for 3-5 years. If you check your driving record and you were not convicted of any major moving violations recently, it is unlikely you have SR-22 insurance. An SR-22 is only required for “high-risk” drivers.
If you have been notified of an SR-22 filing requirement, purchase a qualifying insurance policy promptly. Failure to obtain mandatory SR-22 insurance can result in fines and driver’s license suspension or revocation.
To learn more, check out WalletHub’s guide to SR-22 insurance, as well as our picks for the best SR-22 insurance companies.
People also ask
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 |
How much does SR-22 insurance cost per month?
SR-22 insurance costs an average of $62 to $122 per month, depending on the insurer and the offense that led to the SR-22 requirement. The DMV in your state will also charge a one-time fee to file the necessary paperwork.
It costs $25 to $50 to file an SR-22 form with the DMV, depending on the state. In addition to proving you have enough coverage to drive legally, the SR-22 flags you as a...
read full answer by WalletHub, Financial CompanyHow can you get an SR-22 removed?
To get an SR-22 removed, a driver needs to contact their insurance company once they are no longer required to have the SR-22 on file with their state DMV. While each state has its own rules for how long drivers must maintain an SR-22, it can usually be removed after 3-5 years. Since individual drivers do not handle SR-22 forms themselves, the insurance company will take care of the cancellation.
You can contact your...
read full answer by WalletHub, Financial CompanyDid we answer your question?
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