SR-22 Insurance

An SR-22 certificate is an endorsement on an insurance policy provided by an insurance carrier.  This endorsement on the insurance policy serves as proof to the state that you have met the minimum car insurance liability limits.  The SR-22 is not an actual insurance policy by itself. This is known as a “CFR”, or a Certificate of Financial Responsibility or SR-22 insurance.  SR-22 endorsements are usually related to serious traffic violations such as, but not limited to: DUI with BAC over .08%, driving with out insurance, habitual ticket offender, serious motor vehicle accident, etc. 

A SR-22 is court ordered by the state in the a driver’s license for a certain number of years, usually 3, after a serious traffic violation.  Most of the 50 states require that an SR-22 remain filed for 3 years after an incident. Depending upon the state, an SR-22 can be referred to as:

   - SR-22 Filing
   - SR-22 Insurance
   - SR-22 Certificate of Financial Responsibility
   - SR-22 Form
   - SR-22 Certificate
   - SR-22 Bond

States that have no SR-22 requirement include:

• Delaware
• Kentucky
• Minnesota
• New Mexico
• New York
• North Carolina
• Oklahoma
• Pennsylvania

Depending upon one’s driving record and state, the SR-22 may increase the insurance premium of a policy, as it draws attention to the past violations of an individual, and causes the insurance company to usually mark one as “high risk”. Therefore, this results in increased rates.  Even if one is required to have SR-22 in their current state, and moves to another state without an SR-22 requirement, they will still be required to carry the SR-22 insurance with the same minimum assurance until it has met the end of the term in the state one has moved from. Again, this will usually be three years. The liability limits will also remain the same, even if the new state maintains an SR-22 requirement with lower minimum limits.

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