How will I know if I need an SR-22?

An SR-22 is ordered by a court or your state. If it’s court-ordered, the judge will let you know at the hearing. If it’s state-ordered, you’ll typically get a letter from the department (or bureau) of motor vehicles.

Not everyone needs an SR-22. It’s normally required if you’ve been caught driving without insurance or a valid license. Here are some other reasons you might need one:

  • DUI or DWI conviction
  • Driving without enough insurance
  • Too many at-fault accidents or violations
  • Repeat offenses in a short time frame (for example, three or more speeding tickets within six months)
  • Not paying court-ordered child support
  • Hardship license (issued for temporary driving needs, normally to and from work, because your license has been suspended or revoked)

How can I get an SR-22?

Call your insurance company. If you already have auto insurance, you won’t need to purchase a new policy. You can add the SR-22 to your existing policy, and your insurer will file the SR-22 document with the state requiring it.

If you don’t have auto insurance and need to buy a policy, you’ll want to let any prospective insurer know about the SR-22 up front. Many insurance companies don’t offer SR-22s and you shouldn’t waste time getting a quote if they’re unable to help.

Progressive can provide an SR-22 quickly and easily, regardless of the reason. Immediately upon the purchase of your policy, in most states, we’ll electronically file your SR-22 document with the department of motor vehicles in the requested state. In certain states, we’ll be required to file by mail.

Current Progressive customers

To add an SR-22, call us at 866-749-7436 and let us know which state requires an SR-22 filing.

Non Progressive customers

Get a car insurance quote online or call us at 866-749-7436, tell us you need an SR-22, and we’ll file with the requesting state.

SR-22 insurance cost

An SR-22 costs about $25 to file, though the cost may vary by state and insurance company. In some states, you’ll have to pay that up front. At Progressive, we’ll include the cost of the SR-22 in your first payment. Because some insurers consider drivers needing an SR-22 as high risk, your rate could increase in addition to the cost of filing the document.

At Progressive, we won’t raise your rate as much as you might think. Rates only increase by a countrywide average of about 5% for SR-22 drivers. If you have a clean driving record and previous insurance, you’ll usually pay less for your SR-22 than someone with accidents, violations, or no insurance in the past month. The increase to your policy’s rate will vary based on your ZIP code, vehicle, driving record, insurance history, and other factors.

How long will I need an SR-22?

Contact your state’s department of motor vehicles to find out the exact length of time you’ll need to carry an SR-22—in most states, it’s three years. Remember, an SR-22 won’t automatically fall off your insurance policy. You’ll have to let your insurer know when you no longer need it. If your policy cancels or lapses while you’re carrying an SR-22, your insurance company will alert the DMV and your license will be suspended.

What if I need an SR-22 in a different state from where I live?

No problem. That’s common, especially if you received a violation while you were visiting or living in a different state. Since Progressive services all 50 states, we’ll be able to file your SR-22 anywhere, anytime.

Is an FR-44 the same thing as an SR-22?

Usually required after a DWI or DUI conviction, an FR-44 is only used in Florida and Virginia. The FR-44 document is very similar to an SR-22, but the liability limits are typically double the state’s minimum.

For example, the minimum for auto liability insurance in Virginia is $25,000 per person/$50,000 per accident/$20,000 per property damage. An FR-44 in Virginia would require you to carry double the limits and have $50,000 per person/$100,000 per accident/$40,000 per property damage.

What if I need a non-owner SR-22 and don’t have a car?

Call us at 866-749-7436 and we’ll refer you to an insurance agent in your area. You’ll need a “non-owner operator policy” with an SR-22, meaning you’ll be covered under your state’s liability requirements whenever you drive a vehicle. An agent can write you a policy even if you don’t have a vehicle, and include an SR-22.