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All About SR-22 Insurance Certification (State Certification of Financial Responsibility)

As a result of certain traffic violations, you may be required to obtain an SR-22 document. Read on to find out what an SR-22 is, how long you'll need to have one, and how to get one.

What is an SR-22?

Be sure to discuss your specific circumstances with your insurer or agent, as SR-22 details vary by jurisdiction. But put generally, an SR-22 is a certification – likely court ordered – that is required by many states as a way of proving that an individual has current auto insurance coverage. These documents are often required for drivers who are considered high risk due to having had a DUI/DWI, being cited for driving without insurance, or having been involved in a traffic accident while not covered by insurance. The SR-22 allows you to provide proof of minimum Liability Coverage to law enforcement officials, if necessary.

SR-22 does not replace insurance

It's important to understand that even though you may hear it referred to as "SR-22 insurance," an SR-22 is not auto insurance and is not a substitute for auto insurance. Instead, it is simply certification that your auto insurer provides to your state that proves you have auto liability policy coverage that meets the state's minimum requirements. 

Who needs an SR-22?

If you need an SR-22, it will likely be because of a court order. High-risk drivers may have to obtain an SR-22 with respect to incidents including, but not limited to:

  • DUI or DWI
  • Repeated reckless driving
  • Multiple at-fault accidents or infractions
  • Driving or being involved in an accident without insurance

A court will determine if you should be allowed to have your license reinstated and under what restrictions. As a part of this, an SR-22 may be required. In certain circumstances, the SR-22 allows drivers to continue to drive legally, although they will have a restricted license. 

How long to expect to have an SR-22

The duration of an SR-22 obligation varies by state and the nature of the underlying traffic offense(s).  In some states, this duration may be as short as one year or as long as five.  Generally speaking, a typical SR-22 period lasts from 2-3 years.  

How to file an SR-22

Filing an SR-22 doesn't take much effort on your part. Your auto insurer handles most of the work for you to provide verification to your state that you have car insurance coverage. For a new insurance quote, just mention that an SR-22 filing is needed.  But please note, if you cancel your insurance or let the policy lapse, the auto insurer will be obligated to notify the state of the termination and you could lose your driving privileges again or be subject to additional penalties.

If you find that you need to file an SR-22, call Titan Insurance at 1-800-TITAN-UP. Our friendly and helpful agents will walk you through the process of obtaining an SR-22 and make sure you get the auto liability coverage you need to meet your state's requirements.


CyberDrive Illinois: http://www.cyberdriveillinois.com/departments/drivers/drivers_license/SR-22_uninsured_crashes/finressr22.html

OR - SR22 Insurance: http://www.sr22insurance.net/guide/

The provided information and safety suggestions were obtained from sources believed to be reliable and is intended for informational purposes only. Titan and its affiliates assume no liability in connection with providing it or your use of it. Your circumstances may not warrant or require some or all of the safety suggestions, and there may be additional available safety procedures that are not referenced on this webpage.

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