DUI or DWI
The most common order. Some states use FR-44 instead after alcohol offenses. DUI SR22 guide.
SR22 filing · free quotes
SR22 insurance filing, built around your state.
An SR22 is a certificate your insurer files with the DMV — not a separate kind of car insurance. We get the liability coverage and get the form filed so you can drive legally again.
The certificate
What is SR22 insurance?
A court or the DMV just ordered the filing. Here is what an SR22 actually is — and what it is not.
SR22 insurance is not actually insurance itself. It is a certificate of financial responsibility: a form your insurance company issues to the state’s Department of Motor Vehicles as proof that you carry the minimum required liability coverage. A judge or the DMV typically requires that filing after a DUI or DWI, driving without insurance, a suspended license, or a stack of serious tickets.
The filing exists to prove continuous coverage. If the policy lapses while the SR22 is required, the insurer tells the DMV. That can suspend the license again and restart the clock. Most states want two to three years on file. Some run longer after alcohol offenses.
Florida and Virginia sometimes use a stricter FR-44 after a serious DUI. If you do not own a car, a non-owner SR22 can still satisfy the form. For a national carrier explainer, see Progressive on what an SR-22 is. Your state page still controls the term.
Who needs the filing
If a court or the DMV sent the letter, you need an SR22.
DUI, driving without insurance, a suspended license, a high-risk record, or no car — these are the letters we see every day.
No insurance
Caught driving uninsured, or an at-fault crash without a policy on the car.
Suspended license
The state wants proof on file before you get the license back. Reinstatement.
High-risk record
Multiple tickets or at-fault crashes in a short window.
No car
A non-owner policy can still carry the SR22. See how.
The process
How to get SR22 insurance
Four calls, not a portal. Most people start here the same day the letter arrives.
02
Give the basics
License number, violation date, and whether you own a vehicle.
03
Quote the filing
Small filing fee plus the high-risk premium. We shop carriers that will file.
04
We file it
The insurer sends the SR22 to the DMV. Electronic where the state allows.
05
Keep it on
Do not lapse. When the term ends, ask us to remove the SR22. It does not fall off.
Cost
What SR22 insurance costs
People also search cheapest SR22, SR22 insurance quotes, and how much SR22 insurance costs. Honest answer: the filing fee is usually a small charge. The policy is what you feel month to month.
State minimums
The SR22 only proves the liability limits that state requires. Those limits — and the premium — change with the state on the letter.
Driving record
DUI and uninsured driving cost more than a single lapse. The quote follows the reason the DMV ordered the filing.
Owner vs non-owner
No car often means a cheaper non-owner policy that still files the form. Buy a car later and switch — keep the filing continuous.
Call for a quote that matches your state and the reason on the DMV letter.
FR-44
FR-44 in Florida and Virginia
Florida and Virginia sometimes require an FR-44 after a serious DUI. It is the same idea as an SR22 — the insurer files proof with the state — but the liability limits are usually higher, often double the state minimum. If your letter says FR-44, say that on the call. We treat those as their own quotes, not a generic SR22 insurance quote.
No vehicle
Non-owner SR22 insurance
Need the filing and do not own a car? A non-owner liability policy lets the insurer file the SR22 without insuring a vehicle you do not have. That is a real product.
It does not cover a car you buy later. Switch to an owner policy if that happens, and keep the filing continuous so the DMV does not see a gap.
Why call
Why people call The SR22 Solution
Fast filing, a person on the phone, and a quote for your state — not a generic national number.
Fast filing
Carriers that file electronically where the state allows it.
Affordable rates
We shop more than one company. High-risk is not “take the first number.”
Someone answers
State pages
The same 48 states. Open yours, then a city if that is where you drive.
If this is your situation
Guides for the letter in your hand
Quotes, no car, a DUI, or getting the license back — start with the page that matches why the DMV wrote you.
01
Comparing SR22 quotes
What you pay is the filing fee plus the high-risk premium. Both numbers follow the state and the reason on the letter.
Read the guide 02Non-owner SR22
Need the filing and do not own a car. A non-owner policy can still carry the certificate.
Read the guide 03After a DUI
The most common order — including FR-44 in Florida and Virginia, when the letter says so.
Read the guide 04License reinstatement
The DMV wants proof on file before you drive again. Keep the filing continuous.
Read the guideLocations
SR22 insurance by state
Open your state for local rules, then a city if you drive there. Sioux City is live under Iowa, and Colorado cities are live too.
- Alabama SR22
- Alaska SR22
- Arizona SR22
- Arkansas SR22
- California SR22
- Colorado SR22
- Connecticut SR22
- Delaware SR22
- Florida SR22
- Georgia SR22
- Hawaii SR22
- Idaho SR22
- Illinois SR22
- Indiana SR22
- Iowa SR22
- Kansas SR22
- Kentucky SR22
- Louisiana SR22
- Maine SR22
- Maryland SR22
- Massachusetts SR22
- Michigan SR22
- Minnesota SR22
- Mississippi SR22
- Missouri SR22
- Montana SR22
- Nebraska SR22
- Nevada SR22
- New Hampshire SR22
- New Jersey SR22
- New York SR22
- North Carolina SR22
- North Dakota SR22
- Ohio SR22
- Oklahoma SR22
- Oregon SR22
- Pennsylvania SR22
- Rhode Island SR22
- South Carolina SR22
- South Dakota SR22
- Tennessee SR22
- Texas SR22
- Utah SR22
- Vermont SR22
- Virginia SR22
- Washington SR22
- Wisconsin SR22
- Wyoming SR22
Questions
SR22 questions people actually ask
Is SR22 a type of car insurance?
No. It is a certificate filed with the DMV that proves you already have the required liability policy.
How do I know if I need one?
A court or the DMV orders it. If you did not get a letter or a judge did not say so, you probably do not need an SR22 yet.
How long does it last?
Often two or three years of continuous coverage. Your state page spells out the local term. Confirm the date on the notice.
What happens if I cancel the policy?
The insurer reports the lapse. The state can suspend the license and make you start the filing period over.
Can you file in a state I do not live in?
Yes, that comes up when the ticket was out of state. Tell us both states when you call.
Where can I read this from a .gov or a carrier?
Progressive, Liberty Mutual, and the Texas DPS SR-22 FAQ.
Sources
Read it from the source
Carrier and DMV explainers if you want a second source before you call.
Get started
Let’s get the SR22 on file.
Ask for the quote. We file in the states listed on this site.
(866) 778-1093