SR22 Insurance

SR22 insurance is a certificate of financial responsibility that some state DMVs require from high-risk drivers after serious offenses such as DUI or multiple at-fault accidents. State law mandates SR22 filings for violations like license suspension, with 42 states including California and Texas enforcing these requirements.

Insurers such as GEICO and Progressive file SR22 forms electronically with DMVs on behalf of policyholders. Filing fees for SR22 forms typically range from $15 to $50 per insurer, not including increased premiums.

Most states require drivers to maintain an active SR22 policy for three years, but durations can reach five years in states like Florida. Failure to maintain SR22 coverage leads to immediate license suspension, which states like Illinois and Washington enforce strictly, the Insurance Information Database reports.

Premium increases following an SR22 filing average 89% nationwide, according to a 2024 ValuePenguin study of rates post-DUI conviction. Only liability coverage is required for SR22 policies in most states, though companies such as State Farm offer comprehensive and collision options.

Drivers must notify insurers about needing an SR22; failure to disclose results in denial or cancellation of the policy by providers like Allstate and Farmers. Not all insurers write SR22 policies, so specialized providers such as The General and Dairyland serve high-risk markets where mainstream insurers decline coverage requests.