What is an SR22?

An SR-22 is a certificate of insurance that proves you have car insurance. It's often required after a DUI, a driving-without-insurance violation, or an at-fault accident where you didn't have coverage. Some people call it "SR22 car insurance" or a "certificate of financial responsibility" (CFR) filing.

The SR22 simply tells your state that you're meeting its minimum car insurance requirements — and that you'll keep meeting them for a specified period of time, which is often around 3 years.

It isn't a separate type of insurance. It's a form your insurance company files with the state on your behalf, alongside a regular auto policy.

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