Insurance Glossary

SR-22

A certificate your state requires proving you carry minimum liability coverage — usually after a serious violation.

SR-22

An SR-22 is not insurance itself — it is a form your insurer files with your state proving you carry at least the state minimum liability coverage.

States typically require SR-22 filings after:

  • DUI/DWI convictions
  • Driving without insurance
  • At-fault crashes without coverage
  • Repeated serious violations

SR-22 is usually required for 3 years and raises your premium significantly.

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