SR22 Insurance


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An SR22 is a certificate your insurance company provides that proves you carry your state’s minimum requirement of liability insurance. While many people believe SR22 is insurance coverage itself, it’s the documentation that proves you are insured to drive. Almost every state requires an SR22, or Safety Responsibility, a certificate for high-risk drivers. Some states, such as Florida and Virginia, refer to the certification as FR44.

Once you have an insurance policy that meets your state’s requirements, your insurance provider will electronically file your SR22 certificate with your state’s Department of Motor Vehicles (or equivalent such as BPS, DPS, DoR). Once this certificate is on file, the DMV will reinstate your license, and you can start driving again.

Who needs an SR22?

While each state has its own financial responsibility laws, you will likely need an SR22 if you have been arrested or found guilty of any of the following:

  • DUI or DWI
  • Failing to provide proof of auto insurance
  • Incurring an excessive number of traffic tickets
  • Having unsatisfied judgments
  • Falsifying insurance documents
  • Involuntary or voluntary manslaughter
  • Operating a vehicle with a suspended license

To regain your driving privileges, you must have an SR22 on file with the DMV.


Most states require drivers to have an SR22 on file for three years, although some state laws vary. The certificate stays valid as long as you pay your insurance premiums in full and on time. If your insurance coverage lapses, you may be required to maintain an SR22 certificate for a longer period of time, depending on the offense.

If you fail to pay your premiums, your insurance policy will be canceled, and your insurance provider will notify the DMV that your coverage has lapsed. At this point, your driver's license will likely be suspended again. To reinstate your license, you will be required to pay your overdue insurance premiums and your insurance provider will refile your SR22 with the DMV. Once your insurance provider refiles the SR22, you will need to visit your local DMV to pay a reinstatement fee and regain driving privileges.

Breathe Easy will contact you once your SR22 certification is about to expire.

How much does SR22 cost?

The SR22 certificate itself is not expensive. However, drivers who are required to file an SR22 have been identified as high risk which will likely cause premiums to be much higher than a standard insurance policy. You may even have to pay higher premiums once the requirement to file an SR22 has passed.

How do you get an SR22?

Breathe Easy will help you get the necessary SR22 documentation so you can get back on the road. We’ll help you understand what coverage you need, find you the best coverage at the best available price, and provide tips on how to keep your costs low. Once you’ve purchased an insurance policy, we file your SR22 certificate with the DMV. Call Breathe Easy at 833.786.0237 to get a free, no-obligation quote.

What is non-owner SR22 Insurance?

Drivers who do not own a car and need an SR22 certificate are required to obtain a non-owners auto insurance policy with an SR22 certificate. This means that if you do not own or have regular access to a vehicle but occasionally borrow a vehicle to drive, you will need to purchase a non-owners insurance policy that meets your state’s minimum liability requirements. Your insurance provider will then file the SR22 certificate with the DMV.

Why choose Breathe Easy?

Breathe Easy partners with our customers to help them understand SR22 and insurance requirements, find affordable insurance, and file the certificate with the DMV. We are a full-range insurance provider, not just limited to auto insurance and SR-22s.  We offer competitive rates on a broad range of coverages, including auto, home, motorcycles, renters, RV, boat, business, and commercial. Whether you are classified as a high-risk driver or are just looking for a way to save money on your insurance policy, we can help.

Let our company show you why so many of our customers rate us 5 out of 5 stars.

For more information on SR22 and insurance requirements or to receive a free, no-obligation quote, call us today at 833.786.0237.

In addition to SR22 insurance policies, we also have great rates for:

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