When a state requires one
States commonly require an SR-22 after events such as a DUI conviction, driving without insurance, serious or repeated violations, or a license suspension. The court or motor vehicle agency tells you if one is required and for how long. Not every state uses SR-22 filings, and the rules vary.
FR-44
Florida and Virginia use an FR-44 filing in certain cases, mostly involving alcohol-related offenses. An FR-44 usually requires higher liability limits than the state minimum. If you have been told you need an FR-44, confirm the required limits with the state.
How the filing works
- You buy a policy from an insurer that files in your state
- The insurer files the certificate with the motor vehicle agency
- The state records that you have the required coverage
- You keep the policy in force for the full required period
If the policy lapses
If you cancel or miss a payment, the insurer must notify the state, and the state may suspend your license again. Keep payments current and talk to your agent before making changes.
Non-owner SR-22
If you need an SR-22 but do not own a car, some insurers offer non-owner policies that provide liability coverage when you drive vehicles you do not own, along with the filing.
Moving to another state
If you move while an SR-22 is required, the original state's requirement usually continues. Ask an insurer that files in that state about coverage for your new address.
Frequently asked questions
How long do I need an SR-22?
It depends on the state and the reason. The state or court sets the period.
Can I get an SR-22 with liability-only?
Usually yes, as long as the policy meets the required limits, unless a lender requires more.