SR-22 & Insurance - What is it and how does it work?
What is an SR-22?
An SR-22 is a certificate of financial responsibility required for some drivers by their state or court order. An SR-22 is not an actual "type" of insurance, but a form filed with your state. This form serves as proof that your auto insurance policy meets the minimum liability coverage required by state law.
Is there a difference between the SR-22 and the FR-44 form?
SR-22 and FR-44 forms are both types of financial responsibility filings required by some states for individuals convicted of certain driving offenses. The SR-22 form is commonly required in many states for drivers who have been convicted of offenses such as DUI, driving without insurance, or multiple traffic violations. Essentially, an SR-22 is a certificate of insurance that proves a driver has the minimum required auto insurance coverage mandated by the state. This form is filed by the driver's insurance company directly with the state's Department of Motor Vehicles (DMV) and serves as a guarantee that the driver will maintain the required insurance coverage for a specified period.
The FR-44 form, on the other hand, is required in only two states: Florida and Virginia. Like the SR-22, it's a form filed by the driver's insurance company to prove financial responsibility, but the key difference lies in the minimum liability coverage amounts. FR-44 typically requires higher liability limits than SR-22, making it a more stringent requirement. The FR-44 is generally mandated for individuals convicted of more serious offenses, such as DUIs with higher blood alcohol concentrations or repeat offenses.
While both forms serve the same basic purpose of ensuring that high-risk drivers have adequate insurance coverage, the FR-44 imposes stricter requirements in terms of insurance coverage limits, reflecting the severity of the offenses that led to its requirement.
What if I need a SR-22 in a state I don't live in?
If you need an SR-22 in a state you don't live in, you will typically need to obtain a SR-22 from an insurance provider licensed in the state where the requirement originated. Your insurance company can assist in obtaining the SR-22 and ensuring compliance with the state's regulations, even if you reside elsewhere.
What if I need a SR-22 and don't have a car?
If you need an SR-22 but don't have a car, you can obtain a non-owner SR-22 insurance policy. This type of policy provides liability coverage when you drive a vehicle that you don't own. It fulfills the SR-22 requirement without being tied to a specific vehicle, ensuring compliance with state regulations even if you don't own a car.
Do I need a SR-22?
Not everyone needs a SR-22/FR-44. Regulations vary from state to state. Usually, it is required by the court or mandated by the state only for certain driving-related violations. For example:
- DUI and DWI convictions
- Reckless driving
- Driving while underinsured or uninsured
- Excessive at-fault accidents or traffic violations
- Repeat offenses in a short period of time
- Failure to pay court-ordered child support
- Drivers with hardship licenses
If you need an SR-22/FR-44, the courts or your state Motor Vehicle Department will notify you.
How do I obtain an SR-22/FR-44?
- If you are not currently insured with GEICO, you'll need to start by obtaining a free car insurance quote.
- After purchase you will need to contact our Customer Service Department at (877) 206-0215 or via chat on geico.com and let us know that you need a certificate of financial responsibility or SR-22.
- After you contact us, we will begin the process of filing an SR-22 or FR-44 certificate on your behalf. We'll contact you if we need any additional information to complete the request.
Current Customers can contact our Customer Service Department at (877) 206-0215. We will review the coverages on your policy and begin the process of filing the SR-22 certificate on your behalf.
Does a SR-22 Require a Defensive Driving Course?
A SR-22 requirement typically does not mandate the completion of a defensive driving course; however, a court may order the completion of a defensive driving course as part of the penalty for a driving offense in some cases. While not explicitly required for SR-22 compliance, it may still be a wise choice for individuals looking to improve their driving skills and potentially mitigate the consequences of their driving infractions. Consulting with legal counsel or the DMV can provide clarity on whether a defensive driving course is necessary in conjunction with a SR-22 filing.
To learn more about defensive driving courses, visit our Find Defensive Driving Discounts & Courses by State page.
Is there a fee associated with a SR-22?
Most states only charge a flat fee, but some require a surcharge.
- This is a one-time fee you must pay when we file the SR-22/FR-44. You will not have to pay more unless your policy lapses.
- A filing fee is charged for each individual SR-22 we file. For example, if your spouse is on your policy and both of you need a SR-22, then the filing fee will be charged twice.
Please note: The filing fee is not included in the rate quote because it can vary. This fee will be provided to you at the time of purchase.
How long is the SR-22 valid?
Your SR-22 is valid as long as your insurance policy is active. If your insurance policy is canceled while you're still required to carry a SR-22, we are required to notify the proper state authorities. If you don't maintain continuous coverage you could lose your driving privileges.
Get a SR-22 Form Quickly with GEICO
Get your SR-22 quickly with GEICO. After you contact us, we'll electronically file-or file by mail-your SR-22 with the DMV in your state for you. Whether you’re a new or existing customer, our Customer Service Department is here to help! Start the SR-22 filing process today by obtaining a new quote, chatting with us on geico.com, or calling us at (877) 206-0215.
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*Depending on your state of residence, the Certificate of Financial Responsibility form is referred to as either a SR-22 or a FR-44.
