SR-22 insurance and how it works
If you receive a driving violation like a DUI or driving without insurance, your state may require you to get an SR-22 to show you meet minimum car insurance requirements. But you don’t have time to wait around—you need to get where you’re going. We can help by issuing your SR-22 right away and letting the state know you’re covered—with no filing fee.
Who needs an SR-22?
Not all drivers need to file for SR-22s. Each state has its own specific requirements, but as a rule of thumb, high-risk drivers with one or more of the following violations on their recent driving record will likely need an SR-22:
Driving under the influence (DUI) or driving while intoxicated (DWI)
Driving with a suspended or revoked driver’s license
Causing an accident while driving without insurance
Being charged for repeated traffic violations—like multiple speeding tickets over the course of a few months—or severe violations, such as reckless driving
If you meet this criterion and a court or the state determines you need to file for an SR-22, you’ll be notified and receive clear direction—either in-person during your hearing, or via a letter mailed to your home from your state’s department of motor vehicles (DMV).
How do you get SR-22 auto insurance?
The process for getting an SR-22 varies by state. In general, simply indicate you need to file an SR-22 when you purchase your auto insurance policy—we can take it from there. You need to provide your driver’s license number or other identification number for us to file with your state.
How long does it take to get an SR-22?
We can issue you one immediately. In most states, we can also send your SR-22 to the state electronically the same day—and with no filing fee. Need to file one now? Get a quote for cheap SR-22 insurance with Dairyland®.
How much does SR-22 insurance cost?
At Dairyland, most often we file your SR-22 for free as part of your policy. Some companies and agencies might charge you additional fees or surcharges.
Can you buy an SR-22 policy online?
Dairyland offers policies with an SR-22 you can purchase online. We also offer many other coverage options you can add to your policy, depending on your situation and budget.
Related Topics
What happens when you get a DUI?
Find out what high-risk auto insurance is
Learn about non-owner car insurance
Get an SR-22 insurance quote. No filing fees with Dairyland.
Which states require SR-22s?
Each state has its own SR-22 coverage requirements for drivers, and all are subject to change. Get in touch with your insurance provider to find out your state’s current requirements and make sure you have adequate coverage.
How long do you need an SR-22?
Most states require drivers to have an SR-22—to prove they have insurance—for about three years. This may vary by state or by circumstances, so be sure to read up on your state’s insurance requirements and ask your insurance carrier for specifics.
What’s the difference between SR-22 and FR-44?
In Florida and Virginia, based on your driving record, you may be required to obtain an FR-44 instead of an SR-22.
Like an SR-22, an FR-44 is a document proving that you carry car insurance. However, an FR-44 may require your liability coverage limits to be significantly higher than the state minimum.
While the duration might vary, an FR-44 is also usually required for three years. By law, you can’t cancel your FR-44 policy while it is required.
What happens if an SR-22 policy is canceled?
If your coverage lapses, your insurance company is required to inform the Department of Motor Vehicles (DMV). This could result in the loss of your driver’s license or other consequences, depending on your state of residence.
Making payments on time will help keep your policy from being canceled and prevent your insurance provider from sending an SR-26 to the state. An SR-26 cancels the SR-22 with the state. If you no longer need an SR-22, an SR-26 form is also filed to remove the SR-22.
The Dairyland mobile app can help you set up bill alert reminders and keep your payment information up to date, helping ensure your coverage doesn’t lapse.