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SR-22 Insurance? What You Need to Know

If you have been charged with certain offenses, you may need SR-22 insurance. An SR-22 is a form that is filed with your state to show that you are meeting your state’s minimum auto liability insurance requirements.

How will I know if I need an SR-22?

An SR-22 is ordered by a court or by your state. Not everyone needs an SR-22. It is typically required if you have been caught driving without insurance or a valid license. Some other reasons an SR-22 may be ordered include the following:

  • DUI or DWI conviction
  • Driving without enough insurance
  • Too many at-fault accidents or violations
  • Repeat offenses in a short time frame
  • Not paying court-ordered child support

How Can I get an SR-22?

In order to obtain an SR-22, you will need to call your insurance company. If you already have auto insurance, you won’t need to purchase a new policy. Instead, you can add the SR-22 to your existing policy, and your insurer will file the SR-22 document with the state requiring it. If you don’t have auto insurance and need to buy a policy, you’ll want to let any prospective insurer know about the SR-22 right away. Many insurance companies do not offer SR-22s, so it is important that you find a company that does.

How Long Does an SR-22 Last?

Most states require drivers to have SR-22 coverage along with an insurance policy for about three years. This may vary by state or by circumstances, so be sure to check your state’s requirements and ask your insurance carrier for specifics.

If you have questions or concerns about SR-22 insurance, contact our firm today to speak with an experienced traffic violations attorney.


Kevin T. Conway is an experienced Bergen County criminal attorney handling DUI, DWI, traffic violations, violent crimes, sex crimes, illegal gun possession, shoplifting, and juvenile crimes. Attorney Conway is also experienced in commercial law matters, zoning law, and estate planning. If you need an aggressive criminal lawyer, contact The Law Office of Kevin T. Conway for a free consultation.

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