What exactly is SR-22 insurance?
An SR-22 is not a special type of car insurance policy.
It is a certificate of financial responsibility that your insurance company files with your state’s DMV (or equivalent agency) on your behalf.
The purpose of the SR-22 filing is simple:
It officially verifies that you currently carry at least the state’s minimum required liability insurance limits.
Courts and/or state motor vehicle departments require an SR-22 filing from drivers who have been classified as high-risk due to serious or repeated traffic violations.​​
SR-22 vs FR-44: What’s the difference?
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Both documents serve the same basic goal — proving you have proper liability insurance — but they differ in:​​
Feature
SR-22
FR-44
States that use it
Most states
Only Florida and Virginia
Typical minimum limits
State minimum liability (usually 25/50/25)
Much higher limits (usually 100/300/50 or higher)
Common triggering offenses
DUI/DWI, driving without insurance, multiple moving violations, reckless driving
Serious/repeat DUI/DWI, especially high BAC cases
Difficulty & cost
Moderately expensive
Significantly more expensive
In short:
FR-44 is basically an SR-22 on steroids — required only in FL & VA and demands much higher coverage limits.
Can I get SR-22 insurance if I don’t own a car?
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Yes — this is called a non-owner SR-22 policy (sometimes called “non-owner car insurance with SR-22”).It provides liability coverage for situations when you drive someone else’s vehicle.
Many people who have lost their license, sold their car, or simply don’t own one still need to maintain an active SR-22 filing to get their license reinstated.
Common reasons a driver needs an SR-22 filing
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DUI / DWI conviction
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Driving without insurance (or underinsured)
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Reckless driving charge
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Multiple at-fault accidents in a short time
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Too many traffic tickets / points accumulation
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Driving on a suspended license
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Court-ordered requirement related to child support enforcement (in some states)
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If the court or DMV requires it, they will usually notify you directly.
How to get SR-22 insurance
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Shop for auto insurance with companies that file SR-22 forms (not all do)
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Tell the agent/representative you need an SR-22 filing
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Purchase a policy that meets or exceeds your state’s minimum liability requirements
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The insurance company files the SR-22 certificate electronically with the state (usually within 24–48 hours)
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How much does an SR-22 filing cost?
Most insurance companies charge a one-time filing fee — typically between $15–$50 per filing.
Some states also add their own small administrative fee.
Important notes:
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The filing fee is separate from your regular insurance premium
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If multiple drivers on the same policy need SR-22s, the fee is usually charged per person
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You only pay the filing fee again at renewal, if you switch companies or let your policy lapse
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How long do I have to keep SR-22 insurance?
The requirement usually lasts 12 months to 3 years, depending on:
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The state
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The severity of the violation
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Whether you have any additional violations during the period
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Critical:
You must maintain continuous coverage during the entire SR-22 mandate period.
If your policy is canceled or lapses (even for one day), the insurance company is required to notify the DMV — which usually results in license suspension.
Quick SR-22 insurance summary
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Not a type of insurance → a proof-of-insurance filing
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Required after serious/repeated driving offenses
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Makes insurance more expensive (higher rates + filing fee)
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Non-owner policies available for people without vehicles
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Must maintain continuous coverage — no exceptions
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FR-44 is a stricter, higher-limit version used only in Florida & Virginia
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Shopping around remains one of the most effective ways to find more affordable SR-22 insurance options, as rates can vary significantly between companies that offer SR-22 filings. Check below for options to get an SR22 insurance filing or call 855-772-2728 and speak with a live agent today.
We know that navigating insurance options can be challenging, especially when needing an SR22. That's why our dedicated team is here to guide you through the process, answering any questions you may have about auto insurance with an SR22 filing. We providing you with the essential coverage you need at price that fits your budget. Let us help you secure the right for your peace of mind.
Get the SR22 with a non owner insurance policy if you need an SR22 but don't own a car. Our dedicated team is here to help you navigate the process and find the perfect policy your situation. With our expertise, you can feel confident that you're getting the right coverage to reinstate your license and be covered properly. Let us simplify your insurance experience today!