What Is SR-22 Insurance and Who Needs It?

An SR-22 is a certificate your insurer files with the state to confirm you have the minimum required auto liability coverage. Being required to have one is often tied to specific driving violations, and complying with such orders is part of legally getting back on the road.

Who May Need an SR-22?

A court or a state typically orders an SR-22 mandate for drivers after certain infractions, including:

• Driving under the influence (DUI or DWI)
• Reckless driving
• Driving without insurance
• Multiple traffic violations in a short period
• License suspension or revocation

The SR-22 isn’t a form of punishment; instead, it proves to the state that you meet legal insurance requirements. x

Does an SR-22 Affect My Car Insurance Costs?

It usually does. The SR-22 certificate is inexpensive to file, but the underlying reason for needing it can lead to higher premiums. Insurers may view you as a higher-risk driver, which can affect your rates. Over time, maintaining a clean record and consistent coverage can help reduce those costs.

How Long Do I Have to Maintain an SR-22?

Most states, including California, require you to maintain an SR-22 for about three years, though the exact duration can vary. During this time, your auto insurance must remain active without any gaps. If your coverage lapses, your insurer is required to notify the DMV. That can lead to your license being suspended again, and the SR-22 period may restart from the beginning. To avoid setbacks, consider:

• Setting up automatic payments
• Renewing your policy early
• Keeping your insurer updated on any changes

We’re Here to Help

Contact SaveDirect Insurance Agency LLC today for more guidance on SR-22. Give us a call or stop by our office in Modesto, CA. Our agents can answer your questions and help you address your needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.