How to File an SR-22

An SR-22 is a certificate of financial responsibility that your insurance company files with your state to confirm that you meet the minimum auto liability requirements.

A court or state motor vehicle department may require an SR-22 for various reasons, including:

• Conviction for driving under the influence
• Driving without valid insurance
• Repeated traffic offenses
• License suspension or revocation

Once the requirement is in place, you’ll need to maintain the SR-22 for a specific period, often three years, though this can vary by state and situation. Failing to maintain the SR-22 during this time can result in license suspension or other penalties.

Steps to File an SR-22

Here’s how the SR-22 filing process generally works:

1. Contact your insurance agent
   Let your agent know that you need an SR-22 filing. Not all insurers offer this service, so if your current provider doesn’t, you may need to switch insurers
2. Purchase or update your auto insurance policy
   You’ll need an active auto insurance policy meeting your state’s minimum liability requirements. If you don’t have coverage, you must purchase a policy before the SR-22 can be filed.
3. Request the SR-22 filing
   Your insurer will file the SR-22 form with the appropriate state agency. This filing notifies the state that you have the required coverage in place.
4. Pay the filing fee
   There is usually a small fee for filing the SR-22, which varies by insurer and state. This is a one-time charge, separate from your regular premium.
5. Wait for confirmation
   Keep a copy for your records and confirm that your driving privileges are reinstated if they were previously suspended.
6. Maintain continuous coverage
   Keep your policy active for the entire duration of the SR-22 requirement. A lapse in coverage can reset the clock on your filing period and may lead to additional penalties.

Contact Us

Do you need help filing an SR-22 or have questions about your current policy? Contact Insure One Way to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.