Top SR22 Owner and SR22 Non-Owner Questions and Answers

What is an SR22?

Many motorists mistakenly believe the SR-22 is an actual type of car insurance, but that’s not the case. The SR-22 is simply a form that your car insurance company files on your behalf with the state.

The form, usually filed electronically, provides the state with proof of financial responsibility by showing that you have the required insurance coverages in effect.  The state-mandated coverages may be the same as your state’s minimum liability requirements or different coverages with higher limits.   The exact auto insurance requirements differ from state to state.

You can get your SR-22 only from a car insurance company because the purpose of the form is to show that you have obtained, and will maintain, certain insurance coverage.  There is no other way to get the SR-22; you cannot get an SR-22 without buying a car insurance policy.

Why do I have to carry an SR22?

All states except Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania may require a driver to obtain a SR-22.

Some of the reasons your state may require an SR-22 certificate of financial responsibility include, but aren’t limited to, the following:

  • Failure to carry liability insurance on your vehicle
  • Conviction for driving without insurance
  • Driving uninsured and being involved in a motor vehicle accident
  • DUI, DWI or other major alcohol offense convictions
  • Serious moving violation (such as reckless driving) convictions
  • Accumulating too many DMV points
  • Being termed a habitual traffic offender
  • Needing to apply for a hardship or probationary permit (while license is suspended)
  • Reinstating your license after a suspension or revocation

To find out under what circumstances your specific state requires the SR-22, contact your department of motor vehicles.

How long do I need to carry an SR22?

In most states, you must carry the SR-22 for three years, but the period varies from one to five years. In some places the period varies by offense.

The start date for counting how long you must carry the SR-22 also varies by state.  Your state’s department of motor vehicles will tell you how long you need to carry the SR-22 and from what date.  The clock may start with the offense date, conviction date, suspension date or date of your driver’s license reinstatement.

Don’t cancel an SR-22 before your filing period is up or your state will find out and penalize you.  If car insurance associated with an SR-22 is removed or canceled, the insurer must file an SR-26 that informs the state of the cancellation.  The state can then take actions against you that typically include the loss of your driver’s license and/or vehicle registration.

What’s the difference between an SR22 and an FR44?

The FR-44 also provides proof of financial responsibility, but mandates that you carry higher liability limits.  The FR-44 is used only in Florida and Virginia currently and is required instead of the SR-22 when you have been convicted of certain alcohol-related offenses.   The FR-44 must be held for three years in these states, the same period such states require the SR-22 to be carried.

In Florida, FR-44 has bodily injury liability limits of $100,000 per person, $300,000 per accident and property damage liability limits of $50,000.  This is written as 100/300/50. The Florida SR-22 has liability limits of only 10/20/10.

In Virginia, the FR-44 liability insurance limits are 50/100/40, which are double the limits required for a SR-22 filing (currently 25/50/20).

SR22 Owner and SR22 Non-Owner Insurance Policy Questions, SR22 Questions and Answers

What if I don’t own a car? Is there a Non-Owner’s SR22 policy?

If you don’t own a car, you can still be required to carry an SR-22, and in that case you will need to get a non-owner’s policy to fulfill your SR-22 filing requirement.

With a normal SR-22 policy, you own and insure a vehicle, but with a non-owner’s policy you don’t own a vehicle to insure directly or have access to a car that you can insure.

If you have a vehicle registered to you, one in your household, or someone provides a vehicle for your regular and frequent use, you should NOT purchase a non-owner policy for coverage. If none of these situations applies, you can get a non-owner’s policy that complies with your SR-22 filing requirement.

How much does an SR22 Cost?

A car insurance company filing the SR-22 form on your behalf may charge you a one-time filing fee of between $15 and $50 (typically, it’s $25). However, the cost of the auto insurance policy associated with the SR-22 varies.

The car insurance policy associated with a SR-22 doesn’t have a set premium. It’s calculated according to standard rating factors, such as your driving record, your geographical location, and the type of vehicle you drive, to name a few. If your driving record shows that you are a risky driver, due to a major offense like a DUI, your rates will be higher, whether or not an SR-22 is required.

The only way to determine how much your SR-22 car insurance policy will actually cost is to get a personalized car insurance quote. It pays to shop around; one insurance company may look at a DUI very differently than another, for example. An Insurance Broker can shop multiple companies for you to find the best coverage at the best price.

 

ARTICLE SOURCE PRIMARILY FROM CARINSURANCE.COM