SR22 Insurance FAQs

SR22 Insurance FAQs

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1. What is SR22 Insurance?

SR22 insurance (SR-22 insurance) or SR22 is a certificate issued by your car insurance company that shows evidence that you carry the minimum liability protection required by your state. If you have had an accident and do not carry minimum car insurance, most state DMV will ask you to hold an SR22 form. SR22 can also be requested for other types of traffic violations. SR22 Insurance is also known as:

  • SR-22 Form
  • SR-22 Certificate
  • SR-22 Bond
  • SR-22 Filing
  • SR-22 Insurance
  • SR-22 Certificate of Financial Responsibility


2. Can I make changes to my policy online?

Some insurance carriers allow you to make changes to your policy online at any time. Please check with your insurance carrier or contact a customer Service Representative for information and availability of online services.


3. What is an SR22A?

SR-22A is similar to SR-22 but is only used in the states of Georgia, Texas, and Missouri.

In Georgia and Texas, SR-22A is a type of certificate that is usually used for repeat violators of legal financial liability. These two states require that policies with SR-22A attached to them must be paid in full for a period of six months. Missouri calls the SR-22 liability insurance certification and the SR-22A a liability insurance certificate.


4. Do I need an SR22?

A non-owner (non-owner) policy only covers a person for liability which means it provides you with coverage if you cause injury or property damage to others in a car accident while you are operating a vehicle you do not own. This type of car insurance coverage can be an important addition to your policy if you:

  • Consistently drive cars that do not belong to you, such as those owned by your employer.
  • Frequently rent cars.
  • Frequently borrow cars.

Remember, non-owner liability only covers damages and injuries you cause to others. This coverage does not extend to damages or injuries you might suffer in a car accident. Depending on the state you are in, it also may not cover a vehicle owned, nor frequently used by, the convicted driver.

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5. How long should you keep SR22 Insurance?

For most offences, you must carry this kind of insurance policy for three years from the ending day of any revocation.

For DWI and Refusal convictions SR-22 is required for:

  • Five (5) years from the ending date on a first offence
  • Ten (10) years from the ending date on a second offence
  • Twenty (20) years from the ending date on a third offence


SR22 must be carried for the life of the driver under the following circumstances:

  • The fourth offence for DWI or Refusal convictions Unsatisfied Judgment *this is a general guideline, please check with local DMV for updated information*


6. What is SR50/SR26 Insurance or Certificate of Compliance?

The SR-50 is specific to Indiana Car Insurance. It is a form required by the state as proof that one currently has insurance on their vehicle.

Four different proofs of financial responsibility (insurance) are accepted electronically through this program, including SR22, SR26, SR50 and a Certificate of Compliance (COC)

For more current information please visit DMV website.


7. How to get an SR22 if I don’t own a car?

You can get SR22 insurance if you don’t have a car. Many people do not own a car but are required to show financial responsibility to the state. Contact your auto insurance provider and ask for a non owner’s SR22 insurance if not call us and we will help you to find cheap SR22 insurance.. A non owner SR22 insurance can offer you required liability coverage to any vehicle you drive.


8. How much does SR22 Insurance cost?

SR22 will usually cover property damage and any liability arising from an accident. This insurance is referred to as financial liability insurance because it covers the driver’s obligations to other people who might be involved in an accident.

SR22 insurance cost varies from a person’s driving history, previous record, etc. Speak to our agents about your case and we would assist you in finding a cheap, effective insurance coverage which can meet your needs.

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9. Which companies offer the cheapest SR22 Insurance?

  • Esurance
  • Liberty Mutual
  • State Farm
  • Direct Auto Insurance
  • Nationwide Insurance
  • Dairyland Insurance
  • Allstate
  • USAA


10. How do I get a non owner SR22 Insurance?

To purchase a non-owner auto insurance policy, the only documents that are required is a driver’s license, and a credit or a debit card. The proof of insurance can be obtained through email, and your car insurance company will assist you in filing it on your behalf.


11.How much does it cost to get a FR44 Insurance?

The cost of FR44 insurance is determined by the respective state’s minimum liability requirements. In Florida, it costs:

  • $100,000 of bodily injury liability coverage per person injured in an accident.
  • $300,000 of bodily injury liability coverage per accident.
  • $50,000 of property damage liability coverage per accident.


12. After a DUI, about how much a month does your car insurance go up?

The rates increase by at least 30%-50% after your first DUI. Needless to say, it can prove to be a costly mistake. In some states, fines and court costs can easily exceed $10,000, and penalties for repeat offenders can be even more extreme. Sometimes it becomes difficult for drivers to find any sort of car insurance policy, much less an affordable policy. This is because the driver becomes a significant risk after a DUI conviction.


13. What are the different types of auto insurance?

  • Liability coverage
  • Personal Injury Coverage
  • Uninsured Motorist
  • Protection
  • Comprehensive Coverage
  • Collision insurance
  • Personal injury protection insurance
  • Towing and labor insurance

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