SR 22 Insurance: File Fast and Drive Legally

Learn how SR 22 filings work, typical timelines, fees, and the easiest way to handle non owner situations. Compare quotes and get electronic proof right after you bind.

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How to file an SR 22

  1. Get a quote with an insurer that offers SR 22 filings.
  2. Choose your start date and pay to bind the policy.
  3. Your insurer submits the SR 22 electronically to your state.
  4. Confirm with your DMV when it is accepted and your status is clear.

Coverage and limits during the filing period

Most states require liability only, but higher limits protect your assets and may reduce risk during the filing period. If you finance a vehicle, your lender may require comprehensive and collision.

How long it lasts and what resets the clock

States often require about 3 years. Requirements vary by state and offense. If your policy cancels or lapses, your state may restart the required period, so keep payments current.

SR 22 without a car

Ask for a non owner policy with an SR 22 filing. It provides liability when you borrow or rent a car. For rental trips, consider a collision damage waiver for the vehicle itself.

Compare top providers

Features and availability vary by state. Check your exact price with a quick quote.

Provider comparison table with highlights and quote actions
ProviderHighlightsAction
EverQuote
  • Online quote available
  • Digital ID cards after bind
  • Telematics or safe-driver discounts may be offered
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QuoteWizard
  • Online quote available
  • Digital ID cards after bind
  • Telematics or safe-driver discounts may be offered
Get Quote
SmartFinancial
  • Online quote available
  • Digital ID cards after bind
  • Telematics or safe-driver discounts may be offered
Get Quote

Tip: try at least two quotes. Results vary by state, vehicle, and driving pattern.

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FAQs

What is an SR 22?

An SR 22 is a state filing that proves you carry the required minimum liability insurance. It is not insurance by itself. Your insurer files it for you.

Who needs an SR 22?

Drivers reinstating a suspended license after violations such as DUI or major at fault accidents without insurance. The exact rules vary by state.

How long do I need it?

Commonly about 3 years, but it depends on your state and the offense. If your policy lapses, some states restart the clock.

How much does it cost?

States may charge a filing fee. The larger cost is usually the higher premium that comes with the underlying violation.

Can I file an SR 22 without owning a car?

Yes. Ask for a non owner policy with an SR 22 filing attached.

How fast can it be filed?

Many providers submit electronically the same day after you bind coverage. Others may take 24 to 48 hours. Start early in the day if you have a deadline.

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