Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 8, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember...

  • SR22 insurance is a type of car insurance that an insurance company files with the Department of Motor Vehicles
  • Not all states require you to get SR22 insurance, however, in most states, you may be expected to obtain this type of insurance if you are considered a high risk for other drivers
  • You may need an SR22 if you’ve had a DUI, judgments or let your car insurance lapse

SR22 insurance is a type of car insurance that an insurance company files with the Department of Motor Vehicles. The objective of this type of insurance is so that the driver can be monitored for up to three years to make sure that they are proper auto insurance coverage.

Compare auto insurance and find the best rates by entering your zip code above now!

Who is required to have SR22 insurance?

Not all states require you to get SR22 insurance. However, in most states, you may be expected to obtain this type of insurance if you are considered a high risk for other drivers.

Here are some of the reasons why you might be required to have SR22 insurance:

  • Judgments
  • A DUI or major moving violation
  • Suspension of License
  • Lack of insurance
  • No insurance when you have an accident
  • Repeat traffic tickets

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How long am I required to have SR22 insurance?

You are normally required to carry SR22 insurance for about three years, but some states require coverage for only two years. The coverage must be continuous until it is removed.

If your policy is canceled or you do not renew it, the auto insurance company is required to contact the state and your license will be suspended.

If your policy is indeed terminated, you must purchase SR22 insurance again before your license can be reinstated, which will cost you some additional money for a reinstatement fee. Your policy can be canceled if you do not make your payments on time.

 How To Purchase SR22 Insurance

All you need to do to buy SR22 insurance is just call your insurance company and request it. The company will file the policy with the state Department of Motor Vehicles, and you can once again legally drive a motor vehicle.

Not all insurance companies offer SR22 insurance, so you may need to change companies if you need this type of insurance.

Even if you do not own a vehicle, you must get SR22 insurance. In addition, if you drive someone else’s car, you can get an owner-operator policy that covers a vehicle that is owned by someone else.

How to Find Cheap SR22 Insurance

When you need SR22 insurance, there are several steps that you need to follow when you’re are looking for the best auto insurance rates:

  • Ask your current insurance agency: If you have been with a company for a lengthy period, they might be more likely to give you a discount for being a loyal customer. In addition, adding the SR22 filing to your current insurance policy will be the most inexpensive way to go.
  • Obtain quotes: When purchasing SR22 insurance, you need to obtain quotes from several different companies. You should compare prices to see who can offer you the best deal. You should get multiple quotes online and compare.
  • Search around: When looking for SR22 insurance, you should research your options and look around. When you are comparing companies, you will be asked to enter your driving history and why you need SR22 insurance. To get a precise quote, you will need to enter all of your traffic violations and suspensions.
  • Read company reviews: You want to make sure that you choose a company that you can trust. Therefore, you should read the reviews of other customers to make sure that the company is reputable.

In most cases, you are required to file for SR22 insurance under difficult circumstances. However, this type of insurance does not have to cause you more financial stress.

Therefore, search around and compare prices. You will then be able to purchase cheap SR22 insurance and put the unfortunate instance behind you. Find cheap auto insurance by entering your zip code below and start saving money!