An insurance agent can file your SR-22 certificate on your behalf, but you’ll need to provide all the information, including your policy number and case number.

An SR-22 is a special type of
proof of insurance
required for
high-risk drivers
.
Your insurance company can fill out and file your SR-22 certificate for you.
You’ll need at least your state’s
minimum coverage
before you can file an SR-22.

How to fill out an SR-22

Your car insurance company can help you fill out an SR-22 or do it for you. You’ll need to provide the following information:

Your full name

Your mailing address

Car insurance policy number

Case number

Driver's license number

Birth date

Social Security Number (SSN)

The vehicle make, model, year, and

Vehicle Identification Number (VIN)

The state you are filing in

Name of your car insurance company

The car insurance company's NAIC number

If you're using the same car insurance provider you had before the incident that caused you to get the SR-22, that provider likely already has all of this information. So check with the company to see if they can file the SR-22 for you.

Most states in the U.S. have SR-22 requirements, except for the following:

Delaware

Kentucky

Minnesota

New Mexico

New York

North Carolina

Oklahoma

Pennsylvania

MORE:

Does Allstate have SR-22 insurance?

How to file an SR-22

To get an SR-22, you need to first call your car insurance company and inform them you need an SR-22 certificate. Your insurance company then mails both you and the department of state in your area a completed SR-22 form, unless you fill out the form yourself.

The fees: Expect to spend at least $25 on SR-22 filing fees, on average. Many auto insurance companies also require SR-22 holders to pay for the whole term of the auto insurance policy, either six months or one year, upon issuing it.

Once you acquire an SR-22, expect to have it at least for three years before you don't need it anymore.

Why it’s helpful: Even if you have a

DUI conviction

, are caught driving without insurance, or have an at-fault accident with serious injuries on your record, you can still qualify for insurance coverage by using an SR-22 form.

While this often results in higher insurance costs, an SR-22 policy allows you to regain your license or apply for a new one and continue on with your life.

For drivers with license suspensions who don’t have a vehicle of their own, a non-owner policy with

bodily injury

and

property damage liability

coverage is a simple way to get cheap SR-22 insurance and satisfy the requirements for reinstatement.

An SR-22 will make your rates go up

Getting an SR-22 will almost certainly make your car insurance rates go up due to your status as a high-risk driver. Your car insurance company might even drop your policy if they do not insure high-risk drivers. In this case, you’d need to find insurance with a company that does.

The purpose of an SR-22: proof of financial responsibility

SR-22

is a certificate of financial responsibility that proves that you’ve met

your state's minimum car insurance requirements

, including

liability insurance

and

uninsured motorist coverage

(if applicable). You might need one if:

You’ve been convicted of a DUI or DWI

You have a lot of

violation points

on your driving record

You’ve lost your driving privileges due to a serious traffic offense, such as reckless driving

When working to regain the use of a license, the state Department of Motor Vehicles (DMV) informs drivers if they need to file an SR-22.

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FAQs

Can you drive for Uber with an SR-22?

Generally, no, you will not be able to drive for Uber with an SR-22. This is because Uber does not allow drivers with poor driving records to work for them.

Uber does not accept drivers with a major driver violation (such as a DUI), and they don't accept drivers with more than three minor violations.

While it's unlikely you'll be allowed to drive for Uber with an SR-22, you may still qualify if it's been several years since you had your major driving infraction and you've demonstrated good driving.

How long do you have to carry SR-22 insurance?

The length of time that you have to carry required SR-22 insurance depends on your state's requirements and the specific infraction. Usually, SR-22s are required for three years after a major moving violation.

Make sure to avoid any

insurance policy lapses

while you file for SR-22 insurance.

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