SR22 requirements

SR22 requirements define a state-mandated certificate that proves a driver carries minimum liability insurance after serious violations such as DUI or reckless driving. State DMVs require SR22 filings for high-risk drivers, including those with multiple at-fault accidents or license suspensions, in states like California and Texas.

Insurers file SR22 forms directly with the DMV to confirm continuous coverage for periods ranging from 3 to 5 years depending on state laws; for example, Illinois mandates three years. Drivers must maintain uninterrupted insurance; lapses trigger automatic license suspension in states like Florida and Ohio.

Minimum liability limits under SR22 match state requirements–for instance, $25,000/$50,000/$20,000 in Illinois–without increasing coverage amounts themselves. Only certain insurers offer SR22 policies; examples include GEICO and Progressive.

Filing fees typically range from $15 to $50 per filing across providers such as State Farm and Allstate. Premiums increase significantly–often by 40% to 90%–due to high-risk status documented by the SR22 filing according to data from Quadrant Information Services.

States including New York and Kentucky do not use SR22 forms but enforce alternative proof of financial responsibility requirements instead, as stated by YourInsurance.info.