How to Fill Out and File an SR-22
Filling out and filing an SR-22 form helps drivers who have had a DUI, points, or driven while uninsured regain their license or apply for a new one.
Written by Cheryl Knight
Edited by R.E. Fulton
Table of Contents
- How to fill out an SR-22
- How to file an SR-22
- An SR-22 will make your rates go up
- The purpose of an SR-22: proof of financial responsibility
- FAQs
Load full table of contents
An insurance agent can file your SR-22 certificate on your behalf, but you’ll need to provide all the information, including your policy number and case number.
- Your insurance company can fill out and file your SR-22 certificate for you.
- Your insurance company can fill out and file your SR-22 certificate for you.
How to fill out an SR-22
Your car insurance company can help you fill out an SR-22 or do it for you. You’ll need to provide the following information:
- Your full name
- Your mailing address
- Car insurance policy number
- Case number
- Driver's license number
- Birth date
- Social Security Number (SSN)
- The vehicle make, model, year, andVehicle Identification Number (VIN)
- The state you are filing in
- Name of your car insurance company
- The car insurance company's NAIC number
If you're using the same car insurance provider you had before the incident that caused you to get the SR-22, that provider likely already has all of this information. So check with the company to see if they can file the SR-22 for you.
Most states in the U.S. have SR-22 requirements, except for the following:
- Delaware
- Kentucky
- Minnesota
- New Mexico
- New York
- North Carolina
- Oklahoma
- Pennsylvania
How to file an SR-22
To get an SR-22, you need to first call your car insurance company and inform them you need an SR-22 certificate. Your insurance company then mails both you and the department of state in your area a completed SR-22 form, unless you fill out the form yourself.
The fees: Expect to spend at least $25 on SR-22 filing fees, on average. Many auto insurance companies also require SR-22 holders to pay for the whole term of the auto insurance policy, either six months or one year, upon issuing it.
Once you acquire an SR-22, expect to have it at least for three years before you don't need it anymore.
Why it’s helpful: Even if you have a
DUI conviction
, are caught driving without insurance, or have an at-fault accident with serious injuries on your record, you can still qualify for insurance coverage by using an SR-22 form. While this often results in higher insurance costs, an SR-22 policy allows you to regain your license or apply for a new one and continue on with your life.
For drivers with license suspensions who don’t have a vehicle of their own, a non-owner policy with
bodily injury
and property damage liability
coverage is a simple way to get cheap SR-22 insurance and satisfy the requirements for reinstatement. An SR-22 will make your rates go up
Getting an SR-22 will almost certainly make your car insurance rates go up due to your status as a high-risk driver. Your car insurance company might even drop your policy if they do not insure high-risk drivers. In this case, you’d need to find insurance with a company that does.
The purpose of an SR-22: proof of financial responsibility
An
SR-22
is a certificate of financial responsibility that proves that you’ve met your state's minimum car insurance requirements
, including liability insurance
and uninsured motorist coverage
(if applicable). You might need one if: - You’ve been convicted of a DUI or DWI
- You’ve lost your driving privileges due to a serious traffic offense, such as reckless driving
When working to regain the use of a license, the state Department of Motor Vehicles (DMV) informs drivers if they need to file an SR-22.
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FAQs
Can you drive for Uber with an SR-22?
Generally, no, you will not be able to drive for Uber with an SR-22. This is because Uber does not allow drivers with poor driving records to work for them.
Uber does not accept drivers with a major driver violation (such as a DUI), and they don't accept drivers with more than three minor violations.
While it's unlikely you'll be allowed to drive for Uber with an SR-22, you may still qualify if it's been several years since you had your major driving infraction and you've demonstrated good driving.
How long do you have to carry SR-22 insurance?
The length of time that you have to carry required SR-22 insurance depends on your state's requirements and the specific infraction. Usually, SR-22s are required for three years after a major moving violation.
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