SR22 Coverage Info
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SR-22 Coverage for Drivers with Violations

You need SR-22 insurance to reinstate your license after a DUI, suspension, or major violation.

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How It Works

  1. Tell Us Your Situation

  2. Get Matched With SR-22 Carriers

  3. File and Get Back on the Road

Coverage Options

Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.

A bearded man in a dark hooded jacket and tan pants sits in a vehicle's driver seat, pulling the seat belt across his chest toward the buckle, with trees and buildings visible through the open window.SR-22 InsuranceThe state-mandated certificate filed by your insurer proving you carry minimum liability coverage. Required after DUI, suspension, or serious violations to reinstate your license.Driver's-eye view from inside a vehicle at night, with two hands gripping the steering wheel, an illuminated instrument cluster, and a dark road with blurred lights ahead.Liability InsuranceThe minimum coverage required to file SR-22. Covers damage you cause to others. Rates are higher with violations on your record, but this is the baseline to get legal again.A hand holds a black-fobbed key over a wooden table with stacked papers, a pen, and a document in a folder, in a blurred kitchen interior.Uninsured Motorist CoverageProtects you if hit by a driver with no insurance. Some states require this for SR-22 filing, especially after at-fault accidents.Driver's-eye view from inside a car at night, with two hands gripping the steering wheel, an illuminated instrument cluster behind it, and blurred road and street lights through the windshield.Non-Standard Auto InsuranceCoverage from carriers that specialize in high-risk drivers. Higher premiums, but they accept DUIs, multiple violations, and recent suspensions when standard carriers won't.

Recent Articles

An open black mailbox on a wooden post with a white envelope inside and the red flag raised, beside a paved driveway with a parked SUV and a house blurred in the background at sunset.5/17/2026SR-22 6-Month Renewal: What Changes Each Policy TermMiss one 6-month renewal and your SR-22 clock resets, even though the filing runs for years. What to expect each term.A hand holds a black car key fob and key over a stack of printed documents and a pen on a wooden table, with a blurred kitchen and lit lamp behind.5/17/2026Adding a Clean Driver to Your SR-22 Policy: Cost ImpactAdding a clean driver to your SR-22 policy usually raises total cost 15-30% even though your share drops. See which carriers rate drivers independently.A bearded man in a black cap and black hoodie sits in a vehicle's driver seat, fastening his seat belt, with a steering wheel in the foreground and trees visible through the window.5/17/2026SR-22 with Deferred Prosecution: How Filing WorksDeferred prosecution doesn't eliminate SR-22 requirements — your filing period typically runs during supervision, not after. See how DPA affects your rates and timeline.
A man in a dark jacket, grey sweater and black trousers stands beside an open car door on pavement at dusk, with a blurred city skyline behind him.

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Frequently Asked Questions

What is SR-22 insurance and who needs it?

SR-22 is not insurance — it's a certificate your insurer files with the state proving you carry minimum liability coverage. You need it after a DUI, license suspension, multiple violations, or driving without insurance. Most states require it for 3 years, though this varies.

Can I get SR-22 insurance with a DUI on my record?

Yes. Non-standard carriers specialize in covering drivers with DUIs and will file SR-22 on your behalf. Rates are higher — often 2-3 times standard premiums — but coverage is available. Your premiums typically decrease after 3-5 years if you maintain a clean record.

How long do I need to carry SR-22?

Most states require SR-22 for 3 years from your conviction or reinstatement date. If your policy lapses during this period, your insurer must notify the state and your license can be suspended again. Some states require SR-22 for 5 years or longer for repeat offenses.

What happens if my SR-22 insurance lapses?

Your insurer is required to notify your state's DMV within 24-48 hours of cancellation. Your license will be suspended immediately in most states, and you'll need to refile SR-22 and potentially restart your required filing period. Avoid lapses at all cost.