How To Determine If You Need A SR 22

Who Needs SR22

If you meet one or more of the following descriptions, you might be required to file SR22:

• You have been convicted of driving under the influence (DUI).

• You have convicted of driving while intoxicated (DWI).

• You have been unable to provide proof of insurance in the past.

You might also be required to carry an SR22 for multiple speeding violations, or if you have been involved in multiple car accidents.

How to File an SR22

If you are currently insured, ask you auto insurance agent about how to obtain an SR22.

If you are not insured, your first step is to establish a car insurance policy that meets the minimum liability insurance requirements in your state. You can learn more about the minimum requirements by state online, or by contacting the Insurance Department in your state.

Comparing SR22 Insurance Rates

SR22 insurance is considered "high risk" insurance. For this reason, not all car insurance companies provide SR22 coverage. If you are currently insured, your car insurance policy might even be dropped from your current provider, in which case you must purchase a new insurance policy immediately.

You can compare SR22 insurance rates online, or by contacting the Insurance Department in your state. Be aware that your premium for SR22 coverage is likely to be higher than a standard insurance policy. You can work to lower this premium over time, by consistently practicing safe driving skills.