SR22 insurance refers to a traditional auto insurance policy that has a SR22 filing listed on it. An SR22 is a form that must be carried by a driver who has had his driving privileges suspended or revoked because of excessive traffic violations or DUI/DWI convictions on his record. The driver must also file a SR22 with his state or Department of Motor Vehicle (DMV) agency as proof of financial responsibility under the insurance laws of his state or as ordered by the court. Uninsured drivers who were involved in accidents resulting in bodily injury or property damage may also have to file for SR22 insurance depending on the state they live in.

Many states have their own SR22 requirements, and there are some states that do not require you to have a SR22 requirement. A driver with a SR22 requirement in one state who moves to a state not requiring a SR22 is still bound by the SR22 requirements of his former state. Also, his new auto insurance policy must meet his former state’s minimum liability requirement. The driver must maintain liability insurance throughout the duration of the requirement, normally three years. If there is a lapse in coverage, the insurer is required by law to notify the DMV and the driver’s license will automatically be suspended. The driver would then have to pay a reinstatement fee as well as any other fines on his record.

The only cost involved with an SR22 filing is the filing fee, which is typically $15 to $25. SR22 insurance can be expensive. While the filing itself has no affect on insurance premiums, it does indicate that you are a high-risk driver, which means you’ll pay a higher premium. SR22 insurance covers liability and property damage resulting from an accident involving a reinstated motorist. Coverage includes repair or replacement of the vehicle involved in the accident, except when the motorist is not at fault. A driver can get SR22 insurance for his own vehicle, a vehicle he operates but doesn’t own or for vehicles belonging to him and other drivers in his household.