An SR-22 is a form, not a policy
An SR-22 is a certificate your insurer files with the state to prove you carry at least the minimum required liability coverage. It is attached to a real policy — you do not buy an “SR-22 policy,” you buy insurance and your insurer files the form.
Who is required to have one
States typically require an SR-22 after a serious violation: a DUI or DWI, driving without insurance, an at-fault accident while uninsured, or accumulating too many points. The court or the DMV tells you when one is required.
Compare rates
Compare carriers that file SR-22s
Not every insurer files SR-22s, and rates vary widely. Compare the ones that do.
Free · No obligation · No credit score impact
How long you have to carry it
Three years is common, but the exact period is set by your state and your offense. Let the policy lapse and your insurer must notify the state, which can restart the clock or re-suspend your license — so keeping continuous coverage matters even more than usual.
Why it raises your rate
The filing fee itself is small. The higher premium comes from the violation behind it, which flags you as higher-risk. Not every carrier writes high-risk policies, so comparing the ones that do is where the real savings are.