What Is SR-22 Insurance?
"SR-22 insurance" is shorthand for an auto policy that has an SR-22 certificate filed with the state. The SR-22 proves that a high-risk driver carries at least the minimum liability coverage.
SR-22 in one minute
- It is a form, not a policy.
- The court or DMV orders it after certain violations.
- Your insurer files it with the state.
- The insurer must tell the state if your policy ends.
- It usually lasts about three years.
Owner SR-22 vs. non-owner SR-22
| Owner SR-22 | Non-owner SR-22 | |
|---|---|---|
| Who it is for | People who own a car | People with no car and no regular access to one |
| Coverage | Liability, plus optional collision and comprehensive | Liability only, as secondary coverage |
| Typical cost | $1,500 to $3,000+ a year | $480 to $900 a year |
| Covers a specific car | Yes | No |
Other names you may see
- Certificate of Financial Responsibility (CFR): the formal name in many states
- FR-44: the higher-limit version used for DUIs in Florida and Virginia (learn more)
- SR-26: the cancellation notice an insurer sends when coverage ends
- SR-22A: a variation used in a few states, such as Georgia, that can require a prepaid policy term