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How does SR-22 insurance work?

What is SR-22 insurance? I was told I need SR-22 insurance after getting my license reinstated following a DUI.

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
SR-22
insurance isn’t technically insurance at all.
It’s an endorsement that says you’re carrying minimum
liability insurance
as required by your state.
If your state requires it, you have to file it with the DMV or Secretary of State and keep this document in your vehicle at all times.
If you have an SR-22 endorsement and you let it lapse, you may face consequences, such as:
  • fines
  • suspended registration
  • suspended license
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