Do I need an SR-22?

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An SR-22 is ordered by a court or your state. If it’s court-ordered, the judge will let you know at the hearing. If it’s state-ordered, you’ll typically receive a letter from your state’s department (or bureau) of motor vehicles.

At Assurance Total Protection, a Nationwide and Progressive Insurance local agency, we can walk you through the SR-22 process.

Not everyone needs an SR-22. It is typically required if you have been caught driving without insurance or a valid license. Here are some other reasons you might need to file an SR-22 form:

  • DUI or DWI conviction
  • Driving without enough insurance
  • Too many at-fault accidents or violations
  • Repeat offenses in a short time frame (for example, three or more speeding tickets within six months)
  • Not paying court-ordered child support
  • Hardship license (issued for temporary driving needs, normally to and from work, because your license has been suspended or revoked)

Is an FR-44 the same thing as an SR-22?

Usually required after a DWI or DUI conviction, the FR-44 is only used in Florida and Virginia. The FR-44 document is like an SR-22, but the liability limits are typically double the state’s minimum.

How much does an SR-22 cost?

An SR-22 costs approximately $25 to file, though the cost may vary by state and the insurance company. In some states, you’ll have to pay the filing fee up front. At Progressive, we’ll include the fee for the SR-22 filing in your cost for each policy term. You’ll also need to pay the filing fee with each policy term that the SR-22 is required.

How much will an SR-22 increase the cost of my insurance?

Since some insurers consider SR-22 drivers as high risk, your rate could increase. However, the increase to your policy’s rate will vary based on your ZIP code, vehicle, driving record, insurance history, and other factors.

How do I know when my SR-22 is up?

Contact your state’s department of motor vehicles to find out the exact length of time you’ll need to carry an SR-22 — in most states, it’s three years.

How do I get my SR-22 removed?

An SR-22 won’t automatically fall off your insurance policy once it’s no longer needed. You’ll have to ask your insurance company to remove the SR-22 from your policy. Once removed, it’s possible your insurance rate will go down if you saw an increase after filing your SR-22, but this isn’t guaranteed. If your policy is canceled or lapses while you’re carrying an SR-22, your insurance company will alert the DMV and your license will be suspended.

Contact the insurance pros at Assurance Total Protection if you have needs or questions.

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