SR-22
Understanding an SR-22
An SR-22 Is a Filing — Not a Separate Insurance Policy
A court, motor vehicle department, or other licensing authority will normally tell you when an SR-22 filing is required. Requirements and filing periods vary by state, so it is important to follow the instructions provided by the authority handling your case.
It Is a Filing
An SR-22 is proof that qualifying liability insurance is in place. It is not a standalone type of insurance coverage.
Continuous Coverage Matters
A lapse or cancellation may be reported to the appropriate state authority and could affect your driving privileges.
Owner and Non-Owner Options
Coverage options may be available whether you own a vehicle or need insurance without owning one.
Driver Situations
Who May Be Required to Carry an SR-22?
Not every driver needs an SR-22. The requirement generally follows a court order, license action, or notice from a state licensing authority.
Suspended or Revoked License
A filing may be required as part of a driver’s license reinstatement process.
Driving Without Required Insurance
Some drivers are required to show proof of future financial responsibility after an insurance violation.
Multiple Traffic Violations
Repeated violations within a certain period may result in an SR-22 requirement.
Serious Driving-Related Violation
A serious violation can lead to a filing requirement depending on state rules and the circumstances.
Uninsured Accident
An accident while uninsured can lead to a financial-responsibility filing requirement.
License Reinstatement Requirement
Your court documents or state licensing notice should identify the filing you need and how long it must remain active.
The Filing Process
How the SR-22 Process Works
Our team can help you navigate the insurance portion of the process and explain the information needed to prepare a quote.
Confirm the Requirement
Review the notice from the court or licensing authority to confirm the required filing.
Request a Quote
Provide your driver, vehicle, address, and prior insurance information so available options can be reviewed.
Select Your Coverage
Choose the eligible policy, liability limits, payment option, and any additional coverage you want.
Maintain the Policy
Keep the required coverage active for the period established by your state or licensing authority.
Need to File an SR-22?
Start With the Insurance Policy That Supports the Filing
Best Formula Insurance can help review available owner or non-owner coverage options and prepare an eligible SR-22 filing when required.
Owner and Non-Owner Options
SR-22 Coverage Options
The appropriate policy structure depends in part on whether you own or regularly operate a vehicle.
Vehicle Owner
SR-22 With a Vehicle
Drivers who own a vehicle may need an auto insurance policy covering that vehicle with the required SR-22 filing attached.
Depending on eligibility, the policy may include liability, comprehensive, collision, uninsured motorist, roadside assistance, and other available coverage.
No Vehicle Owned
Non-Owner SR-22
A non-owner policy may be an option for someone who needs an SR-22 filing but does not own a vehicle.
Eligibility can depend on your household, access to vehicles, driving activity, state requirements, and the insurance company’s underwriting rules.
Avoid a Lapse in Coverage
Keep the Required Policy Active
If an SR-22 policy is canceled or lapses, the insurance company may be required to notify the applicable state authority. This could affect your license status or filing period. Make payments on time and contact the agency before making changes to the policy.
SR-22 Insurance Questions
SR-22 Frequently Asked Questions
General answers to common questions about SR-22 insurance filings.
Owner or Non-Owner SR-22 Options
Need an SR-22 Insurance Quote?
Speak with a licensed Best Formula Insurance representative about available owner or non-owner auto insurance options.