Questions Answered On SR22 Insurance


It’s a strange thing to be in this sort of situation.

The one where you are recovering from a DUI or DWI or revoked license.

It’s hard, unfamiliar and let’s face it, probably a little embarrassing.

But there is a silver lining. There is a way to get through this and do it with your head held high.

The most important thing you can do, is be informed.

We all can’t be experts in the field of insurance and law. We try not to spend too much time thinking about the “what if’s?” and “For how long…?”.

But sometimes it is necessary.

People for years have been stumped by this little piece of paper called SR22. And I am here to help!

We can lay it all out on the line and make you more knowledgable about getting your life back after a DUI.

You may not only want to know about attaining SR22 insurance and how to do it, but also how to get the cheap Sr22 insurance you deserve.

No problem!


FAQ About SR22


  1. What is SR22 Insurance? This is a simple question with a simple answer. SR22 insurance, isn’t really insurance at all, it is a document stating that you are carrying the proper insurance. This is a little tricky because everyone calls this piece of paper SR22 insurance. But in reality, this document is needed by the Department of Motor Vehicles to show that your insurance company has written you the correct policy when it comes to insuring your vehicle after a revoked or suspended drivers license.
  2. Who Files an SR22? Your insurance company is responsible for filing this financial responsibility document with the DMV. However it is your responsibility to tell your insurance company that you need one and work the details out with them.
  3. How long will I have to have SR22? In most states you will need to keep an SR22 document filed for at least three years. Don’t forget to pay for it, and don’t let it lapse. If the DMV finds out that you no longer have this document or that your insurance is not up to date, your license will then again be suspended. Make sure you are up to date with everything and be in correspondence with your insurance company. Don’t worry, most insurance companies have dealt with this many times before and they know what they are doing.
  4. How much does SR22 cost? The SR22 costs are pretty low. Your insurance company may charge you a one time filing fee of $20. And the DMV may have it’s own fee as well. This could vary by state, but all in all you will spend no more than $50 to have this document filed. The part that will cost you money is your liability insurance. You must have the state minimum car insurance to file an SR22.

More FAQ’s…


  1. Why do I need an SR22 Filing? If you want to get your life back and have your suspended drivers license behind you, you must follow state laws about how to do this. In most states an SR22 filing is temporary, but a way that the DMV can keep tabs on how well you are abiding by the laws. Think of it as earning your way back after a DUI. This filing is only required for people who have had something done with their drivers license like getting it suspended. Your driving privileges may have been taken away for a while, and and SR22 filing is one step to getting those privileges back! An Sr22 filing from your insurance company to the DMV is letting them know that you not only carry the correct amount of insurance for your car or motorcycle, but that you are on the path to making things right. The hope is that after a process such as this, it will deter people from getting a DUI, or doing things to have ones license revoked.
  2. Do I still need SR22 if I don’t own a car? This is a great question! If you do not own a car, you still need to let the DMV know by filing a non-owners Sr22 policy filing. This is the only way to get your license back. This does depend on what state you live in. You may want to look into this further if you do not plan on owning a car. If you don’t own a car now, but plan to in the future, make sure that you update your insurance company and the DMV with any changes.



  1. What is a “high-risk” driver? A high-risk driver is one who, according to an insurance company, has a higher risk of getting into an accident, or getting a DUI or in general breaking the law. Insurance companies base everything that they do on statistics. If you have previously had a DUI or have had your license revoked for any reason, you are a high-risk driver. You will cost the insurance company more (or so the statistics tell them). There are ways of rectifying this though. You can show, through time, that you are not a high-risk driver. You can take a defensive driving course, and follow the laws. Carrying SR22 insurance for a solid three years is also one way. You must not get any tickets of any kind. Your insurance will be more if you are a high-risk driver. You can get your policy back down to a better rate through time.

How Do I Attain SR22?


  1. How can I find Sr22 Insurance? This is easy! Check out how to file cheap Sr22 insurance.
  2. How do I get cheap car insurance while having Sr22? So, most likely your insurance will not be as inexpensive as it normally would be. However, with a brokerage company, you can have them find the best rates for you by searching through dozens of insurance quotes and getting you the best rates. The truth is, you may want to carry more insurance than just the minimum liability that your state requires. Why? Because you will want full protection when you drive from here on out.


What Is Required By Law?


If you want to know what kind of insurance your state requires, just talk to a local broker. Most states require liability insurance because this covers the other party involved in a crash if you are at fault.

For example, California requires this:

You may be thinking that this isn’t a lot of insurance. And you are right! There are other options you may be interested in based on your need for security at this time.


Here are other options:


Terms and Facts


There are a lot of terms you may need to know about insurance.

The fact that you have had a DUI or revoked license, means that insurance is now going to be a part of your life.

You should be knowledgable about it.

Don’t think of it as a punishment, but more of an opportunity.

Most people don’t put in the time to understand what they are paying for when it comes to insurance.

Whether it be car insurance, motorcycle insurance, homeowners insurance or even SR22 insurance.

Before you talk to your broker about what kind of insurance you may need, find out what terms you need to know.

Here are some helpful terms and facts that may help:


Adjuster: Person who evaluates claims for the insurance company and determines loss on claims.

Agent: A person who sells insurance policies and is licensed to do so. This person does not necessarily work for you, the consumer. They are basically salesmen.

Auto Death and Dismemberment Coverage: An additional coverage that pays for death or loss of limbs due to an auto accident. This added coverage is not a necessity but some people choose to go this far. You can even pay for funeral insurance to cover costs of a funeral after death. More people buy this type of insurance when riding a motorcycle than a car.

Broker: A person who compares and finds insurance policies for a consumer. They do not represent a particular insurance company but rather the consumer. This is the person you will talk to about your policy and they will help you find the best and cheapest policy.

Bodily Injury Liability Coverage: Coverage that pays for the injured party if you are at fault in an accident. May also cover legal fee’s, lost time at work and other related expenses to an injured person. This is usually a requirement in most states.

Carrier: Another name for the insurance company. For instance State Farm is an insurance carrier.

Certificate of Insurance: A written document that proves coverage is in force during a specific time period. This should be carried on your or in your car at all times.

Citation: A violation of either moving or non-moving laws in which an official serves a ticket to the person at fault. You do not want to have one of these on your record while you have SR22. You need to keep a clean record if you want to have your full rights back as a licensed driver.

Credit Risk: A person or entity which has a higher chance of default on policy premiums. You may want to check your credit score as this can be one factor in determining how much your auto policy will be.


More Terms…


Deductible: A portion of a claim that is paid by the insured which is a set amount agreed upon during the purchase of the policy. Usually the higher the deductible, the lower the premium. You can ask to raise your deductible which may lower your monthly insurance payments. Remember that if you were to get into an accident, that deductible is your responsibility if you are at fault.

Defensive Driving Course: A traffic safety course which improves driving. It may be taken to prevent a citation from being placed on your driving record or to reduce insurance premiums. This may be a good idea when you are hit with a DUI. You may be able to lower your premium and it will look good on your record.

Financial responsibility laws: Laws that make it illegal to not have the minimum state standards of insurance liability insurance. This is basically what SR22 is. This is a financial responsibility statement that your state requires you to have along with your insurance policy.

Lapse: A period of no coverage such as periods of non-payment or between policy effective dates. Do not let this happen when you carry SR22 insurance. You are trying to gain back your privileges, so make sure everything is up to date.


You may need to know…


Negligence: Careless regard for the safety of another or their property. Many times this is how the state sees someone who has gotten a DUI. Putting other citizens in harms way. This is also the reason that they hold you responsible for the next three years by carrying SR22.

Proof of coverage: Written document that shows insurance coverage for the specific property for a specific time period. You must have proof of coverage by carrying your insurance policy in the car with you while you are driving. It is against the law not to have updated insurance and registration of the car which you are driving.

Risk Ratio: All risk factors associated with a policyholder and their property that determines the insurance premium. This is something the insurance companies will do to asses you. As someone who has had their license revoked, you are unfortunately a high-risk in the eyes of the insurance company.

SR 22: Insurance required for convicted DUI or DWI drivers. You may also need this document if you have had your license revoked in any other way. Every state is different so check with your broker about the details of this filing.


The Rest Is Up To You!


Reach out to an insurance broker for more detailed information on your particular case.

Now that you have an abundance of knowledge on SR22 filings, you can know which questions to ask.

The world is not an open book, sometimes you have to do a little research.