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Reasons Why SR-22 Insurance is Needed

Unclear on why you would need an SR-22? Find out why someone needs it & the top reasons for getting this type of coverage.

Are you a high-risk driver in need of an SR-22? You’re not alone! Depending on your history on the road, you may find yourself needing an SR-22. Many drivers do not know what this document is or why they might need it, until they receive a notification from the state  Department (DMV) or Bureau (BMV) of Motor Vehicles. To help you better understand, we’ve put together this guide of reasons why one might need an SR-22, as well as some tips for how best to go about doing so. Keep reading to learn more! 

What is SR-22 Insurance? 

An SR-22 is not insurance, but rather a certificate of financial responsibility submitted to the Department (DMV) or Bureau (BMV) of Motor Vehicles on the policyholder’s behalf. It states that the policyholder has the required coverage limits set forth by a court order after a violation. 

Convicted of DUI or Other Offense 

There are many reasons someone might need an SR-22, but it’s primarily for drivers who have major violations on their driving records. These violations may include DUI, DWI, hit and run, driving without insurance, or reckless driving. 

Too Many Moving Violations 

Drivers who have too many traffic tickets in a short time may also be required to have an SR-22. This is done as a way to ensure that higher-risk drivers are held responsible and are watched more closely while they’re out on the road. If you’ve been flagged as a high-risk driver due to your traffic violations, you may find yourself needing SR-22 insurance in order to keep your license. 

Caught Driving Without Insurance 

If you are caught driving without the required amount of insurance, you may be required to get an SR-22 certificate. Even if you don’t actually end up needing an SR-22, it is important that your insurance coverage is good enough for what the state requires as a minimum.  

Need to Get Suspended License Reinstated 

Having a suspended driver’s license can be hard and could add stress to your everyday life, so it’s important to get it back as soon as possible. Depending on the reason for the suspension, you may need to provide an SR-22 to reinstate your license. So, if you find yourself needing SR-22 insurance after having your license suspended, make sure to update your policy quickly so you can get back on the road! 

Reinstating a Revoked License 

If your license has been revoked, you may also face the need for an SR-22. A revocation is usually more serious than a suspension, such as multiple DUIs or extreme negligence behind the wheel. To get your license back, you’ll need to provide an SR-22 as proof that you have the right amount of insurance coverage for what is required in your state. 

Unpaid Parking Tickets or Accident Fines 

Another reason someone may need SR-22 insurance , if they have outstanding parking tickets, accident fines or other traffic-related fees that need to be paid. In some cases, these can add up and become too much for a driver to pay all at once. Sometimes, getting an SR-22 may be needed to prove to the state that you do have enough money to pay what you owe. 

Acceptance Insurance is Here to Help 

No matter what the reason may be for needing SR-22 insurance , it’s important that you get the coverage you need to keep your license and stay safe on the roads. Talk with a trusted Acceptance Insurance agent today and see what kind of policy is best for you, or get a free online quote

Common Questions Asked About SR-22s 

How Long Do I Need to Carry an SR-22? 

The amount of time you need to keep an SR-22 varies from state to state, so it’s best to contact your local DMV for more information. Usually, you will need to keep the policy active for at least three years. In some cases, your insurance company may need you to keep the policy active even after the minimum period is up. 

How Soon Can I File for a New SR-22 After the Previous One Has Been Canceled or Lapsed? 

When a policyholder’s existing SR-22  has been canceled or stopped, the process for getting new coverage is the same as when first applying for an SR-22. The insured must first contact their current or prospective insurer to get a quote and then submit the required forms and documents. Depending on what type of form is needed for your state, the process may take up to 30 days to complete before a new SR-22 form can be given to you. 


An SR-22 and FR-44 are not insurance, they are a certificate of financial responsibility filed with your state to show that you are meeting your state’s minimum auto liability insurance requirements. Material in these articles is for general information or entertainment purposes only. Acceptance Insurance does not endorse and is not affiliated with any of the companies or apps listed in this article. Acceptance Insurance is not responsible or liable for the availability of links to websites or resources, or for any content, advertising, products, services, or other materials on or available through these websites or resources. Any references to third party rates or products are subject to change without notice. Trademarks are property of their respective owners. Price may vary based on how you buy. Information and coverage descriptions are general in nature. Actual coverage depends on the policy. Nothing in this article alters the terms or conditions of any First Acceptance Insurance Company, Inc. policies. Some auto policies are underwritten by third-party insurers that are not affiliated with Acceptance and are solely responsible for claims. Supplementary coverage options or products may be added to an insurance policy for an additional cost where applicable. See your agent for more information. Product and features are subject to underwriting criteria. Not all products, discounts or payment plans are available in all states or distribution channels. All products described herein are subject to terms and conditions. CA License #0K20173. 

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