What is an SR-22?

If you are wondering what an SR-22 is, you are not alone. An SR-22 is a certificate of insurance that serves as proof that you have purchased the minimum liability auto insurance required in your state. An SR-22 is issued by an auto insurance company – and they will automatically notify your state’s Department of Motor Vehicles that you are in compliance with demonstrating financial responsibility.

Though many people associate an SR-22 with the consequences of driving under the influence, it is not necessarily the case. Indeed, a driver who is cited for a DUI offense will likely have to maintain an SR-22 on their record, but other reasons may include: repeat traffic offenses, being at-fault in an accident with no insurance, having a driver license suspended or revoked, or severe endangerment of other drivers or pedestrians.

Although the SR-22 requirements vary from state to state, generally a driver who is required to maintain an SR-22 on file needs to do so for three continuous years. If there is an interruption of this liability coverage, the insurance company that issued the SR-22 is required by law to inform the DMV that you are no longer in compliance. Failure to comply with the terms of the SR-22 may result in the suspension of your license. Should this happen, you can likely reinstate your driving privilege by renewing your SR-22.