Skip to main content

What is SR- 22 Insurance and What Does it Do?

By April 22, 2022Insurance
SR-22 - Closeup View of a Man Driving His Vehicle with Outside of Car Out of Focus at Dusk

SR-22 insurance is a type of car insurance that is typically required for drivers who have been convicted of certain traffic violations. If your license has been suspended or revoked, or if you’ve been convicted of certain traffic violations, your state may require you to get an SR-22. 

This is not a specific coverage, but rather an endorsement that must be added to an existing auto insurance policy.

If you are required to carry SR-22 insurance, it is important to maintain your coverage for the entire duration of your sentence. If you cancel your SR-22 insurance or let it lapse, your car insurance company will notify the DMV and your driver’s license may be suspended. It is important to keep your SR-22 insurance in force at all times to avoid any lapses in coverage.

How Can I Acquire SR-22 Insurance?

To acquire this insurance you need to notify your insurance company so they can add the endorsement to your policy. 

You will also need to provide the company with proof of insurance, such as your vehicle registration and driver’s license. Once the SR-22 is in place, your insurance company will notify the DMV.

You will be surprised to know that SR-22 insurance typically costs more than regular car insurance, so it is important to shop around for the best rates. Some car insurance companies may not even offer SR-22 insurance, so it is important to check with several companies before purchasing a policy.

When you think about opting for this insurance it is a good idea to purchase more than the minimum amount of coverage required by your state. This will protect you financially if you are involved in an accident. It is also a good idea to purchase an umbrella policy if you have SR-22 insurance. An umbrella policy provides additional liability coverage above and beyond your regular car insurance policy. 

This can be helpful if you are sued for damages after an accident.

If you have any questions about SR-22 insurance, you can contact us.


What happens if I let my SR-22 lapse?

If your SR-22 lapses, your insurance company will notify the DMV and your license may be suspended or revoked. If this happens, you will likely face additional fines and penalties from your state. 

It is important to keep your SR-22 active at all times to avoid any issues.

Can I get an SR-22 if I don’t have a car?

Yes, you can get what is called a non-owner SR-22. This type of policy will provide you with liability coverage in the event that you cause an accident while driving a rental car or someone else’s vehicle.

Do I need an SR-22 if I live in another state?

It depends. If your license was suspended or revoked in another state, you may need to get an SR-22 from a licensed insurance company in that state. However, if you simply want to transfer your out-of-state license to a new state, you will not need an SR-22.