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Suspended Driver’s License? You May Need an SR-22

A young, Caucasian woman who was just stopped with a suspended driver's license.

If you have a suspended license, you may need an SR-22 form, also known as a certificate of financial responsibility. An SR-22 proves to your state’s DMV that you are carrying the required car insurance. Learn more about how to file an SR-22 and the steps you may need to take to reinstate your license.

What is an SR-22?

An SR-22 is proof of financial responsibility that is required for drivers who commit certain traffic-related offenses such as DUI/DWI, speeding, unpaid tickets, and multiple traffic violations. It is not a type of insurance; instead, it is an electronic document that is sent to your state’s DMV on your behalf to prove that you are meeting the state’s minimum liability requirements.

How to Get an SR-22 With a Suspended License

Your driver’s license may be suspended for having too many traffic tickets, getting a DUI, failing to report a car accident, driving without car insurance, and many other reasons. But no matter the reason, you may need high-risk car insurance, or an SR-22 to get behind the wheel. To file an SR-22 DUI, you will need to contact an insurance company that offers SR-22 insurance. Not all companies do, so you will need to shop around. Freeway Insurance can do that hard work for you. We work with the top insurance providers in the country to get you a free SR-22 quote that works best for your situation.

The SR-22 does not give you the right to drive on a suspended license; typically, it is something you must obtain to get your license reinstated.

You can get your SR-22 form from a different company other than your current car insurance provider. It is not uncommon for drivers to have their standard car insurance with one company and their SR-22 with another. The SR-22 is filed with the DMV on your behalf.

Driving With a Suspended License

Your driver’s license can be suspended for causing a major or minor collision. Whatever the reason may be, don’t ever drive with a suspended license. In some states, driving with a suspended license is a misdemeanor and can result in a revoked license. You can always try getting your license reinstated, which may include getting high-risk auto insurance and an SR-22. A hardship license can be obtained in many states. But, a hardship or occupational driver’s license typically only allows you to commute between home and work.

What is a Revoked License?

A revocation is permanent termination of your driving privileges. Your license can be revoked if you have not complied with the rules of your driver’s license suspension. It can also be revoked for vehicular homicide, drag racing, several convictions of reckless driving, and other serious offenses. Your license can also be suspended or revoked for not keeping up with court-ordered child support payments. There is usually a revocation period, and when that time is up, you can apply for a new license, but there is no guarantee that you will get it back.

How Long Will My License Be Suspended?

The length of your driver’s license suspension will depend on the severity of the driving offense and the laws of your state.

Suspended License Reinstatement

If you follow specific requirements, known as “conditions for reinstatement,” you may be able to restore your driving privileges. The requirements can vary depending on the reasons why you lost your license and your state laws. For instance, in Illinois, you have to participate in an informal or formal hearing with a Secretary of State hearing officer, complete alcohol/drug evaluation by a Division of Alcoholism and Substance Abuse-licensed provider, install an ignition interlock device, and pay all fees- $70-$500. But in California, you fulfill your mandatory suspension time, pay the $55 driver’s license reissue fee to the DMV, complete a DUI program and submit a Notice of Completion Certificate, and provide proof of your insurance or financial responsibility. Check with your local DMV to find out about the suspended license reinstatement requirements for your state.

How to Check if Your Driver’s License Has Been Suspended

Do you have multiple unpaid tickets? Were you required to get an SR-11, but didn’t? If you suspect that your license may be suspended, you can request a copy of your driving record from the DMV to be sure. The report will have the status of your license, information about any tickets you may have, and how many points you have acquired from tickets, accidents, and other driving violations.

How To Get Affordable SR-22 Insurance

Freeway Insurance specializes in providing affordable high-risk car insurance including SR-22. We provide you with affordable SR-22 coverage by shopping around for you. We work with the top insurance companies in the country to compare SR-22 rates to make sure we get the best rates and coverage for you. Call (800) 777-5620 to speak to a live representative who will give you a free SR-22 quote.

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