An SR-22 is a certificate of financial responsibility that proves you have the minimum required car insurance coverage in place. It’s often required by the state after a driver has committed certain violations, like:
- DUI/DWI convictions
- Multiple traffic offenses (e.g., reckless driving)
- Being caught driving without insurance
- License suspension or revocation
The SR-22 is typically filed by your insurance company on your behalf, and it doesn’t mean you need special insurance. It just shows the state that your insurance meets the required standards.
It’s important to note that an SR-22 isn’t a type of insurance—it’s more like a “proof of insurance” that your insurer submits to the state to confirm you’re financially covered if you’re involved in an accident.
Typically, the SR-22 requirement lasts for a few years (usually 3 years), and if you let your insurance lapse, the state will be notified and you could face penalties like a suspended license.
