SR-22 Insurance Partners— Filed Same Day
Court-ordered SR-22? We file your SR-22 with your state — fast, same-day electronic filing, owner or non-owner. No judgment.
- Same-day electronic filing with your state
- Owner and non-owner SR-22 options
- After a DUI, suspension, or uninsured driving
- We shop high-risk carriers to fit your budget
Get Your SR-22 Filed in 3 Steps
No forms to mail and no DMV lines. Call us and we take it from there.
Tell us what happened
Call and tell us your state, your violation, and whether you own a car. No judgment — we handle high-risk filings every day.
We quote and confirm your state's rule
We shop high-risk carriers for a policy that meets your state's required limits, and confirm exactly what your state asks for.
We file — same day
We file your SR-22 electronically with your state the same day, and your proof arrives by email in minutes, not days.
Own a Car or Not, We File Your SR-22.
Choose the path that matches your situation. We file the SR-22 either way.
SR-22 With a Vehicle
You own or regularly drive a car. We file the SR-22 on your auto policy at your state's required limits.
- Covers your registered vehicle
- Common after a DUI, suspension, or uninsured driving
- Filed electronically with your state
Non-Owner SR-22
No car of your own? A non-owner SR-22 meets the same state requirement and usually costs less.
- No vehicle needed
- Covers you in borrowed or rented cars
- Keeps your filing active without a car
SR-22 and FR-44 filing services we handle
Every SR-22 and FR-44 filing below is handled by our licensed agents and sent to your state electronically — pick the one that matches your situation.
SR-22 Insurance
The standard filing after a DUI, suspension, or uninsured driving. We quote a policy that meets your state's required limits and file your SR-22 electronically — same day.
Learn more No VehicleNon-Owner SR-22
No car of your own but need to reinstate? A non-owner SR-22 meets the same state requirement — usually at a lower cost than a standard auto policy.
Learn more High-Risk DriversDUI Insurance
After a DUI, most states require an SR-22 alongside a high-risk auto policy. We handle the filing and find coverage that fits your budget.
Learn more License ReinstatementSuspended License Insurance
Need insurance to reinstate a suspended license? Where your state requires an SR-22, we file it — a key step toward getting your license back.
Learn more Florida & VirginiaFR-44 Insurance
Florida and Virginia require an FR-44 — with higher liability limits — instead of an SR-22 after a DUI. We file the certificate the same day.
Learn more FL & VA · No VehicleNon-Owner FR-44 Insurance
For Florida or Virginia drivers who need an FR-44 but don't own a vehicle — it meets the state requirement at a lower cost than standard FR-44 coverage.
Learn moreNot Sure Which You Need? We'll Confirm It.
Your state, your record, and whether you own a car decide the certificate. We confirm it before anything is filed.
Whether it's a standard owner SR-22, a non-owner option, or an FR-44 in Florida or Virginia, the first step is confirming what your state expects.
Get My SR-22 QuoteNeed an SR-22?
We'll Confirm What Your State Requires.
Owner and non-owner policies, filed electronically with your state.
SR-22 InsuranceNeed an FR-44?
We Specialize in FL & VA.
Higher-limit owner and non-owner options for qualifying Florida and Virginia drivers.
FR-44 InsuranceWhat Your SR-22 Actually Is
The essentials in plain terms — what an SR-22 is, who needs one, the limits behind it, and how it affects your license.
Not a Policy — a State Filing
An SR-22 is a form your insurer sends to the state, not a policy you buy on its own. It certifies that your auto policy meets your state's required liability coverage — one ordinary policy plus a state filing, formally a certificate of financial responsibility.
You keep a single car insurance policy, and the SR-22 rides on top of it as the state's proof. Because it's tied to a live policy, your coverage has to stay active for as long as the state requires the filing.
Who Needs SR-22 Insurance
Most drivers first hear about an SR-22 after a serious problem on their record. A DUI, a conviction for driving without insurance, several tickets in a short time, or a license suspension can each lead your state to require one before you drive again.
Insurers label anyone in this position as high-risk, so an SR-22 often comes attached to high-risk auto insurance. The trigger is the violation, not the filing itself.
The Minimum Liability Limits
An SR-22 certifies that your policy meets your state's minimum liability limits — the least bodily-injury and property-damage coverage the state will accept. Your state sets those numbers, and they differ from one state to the next.
Because the limits are only a floor, you can carry more coverage than the minimum and still satisfy the filing. We check your state's current limits and make sure your policy meets or beats them before your SR-22 goes to the state.
The SR-26 and Getting Reinstated
An SR-26 is the notice your insurer files when an SR-22 policy cancels or lapses, telling the state your coverage ended. That notice can pause or restart your required filing period, which pushes back your license reinstatement.
Keeping the policy paid and active protects your progress, so we track your renewal dates and warn you before a payment is due. We file your SR-22 — and only your state can reinstate your license.
SR-22 vs FR-44
Two certificates, two rules. Here's how they differ — and which one your state asks for.
| Feature | SR-22 | FR-44 |
|---|---|---|
| What it proves | You carry your state's required liability coverage | You carry higher liability limits after a serious conviction |
| Where it applies | Most states that use SR-22 | Florida and Virginia only |
| Common trigger | DUI, suspension, or uninsured driving | A DUI/DWI in Florida or Virginia |
| Liability limits | Your state's minimum | Higher than the SR-22 minimum |
| How it's filed | Electronically with your state | Electronically in FL or VA |
| Owner & non-owner options | ✓ | ✓ |
| We file it the same day | ✓ | ✓ |
SR-22 Insurance by State
Select your state to see exactly what it requires. Don't see yours yet? Call and we'll confirm what your state requires — and whether we can file it for you.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Frequently Asked Questions About SR-22 Insurance
Drivers ask us the same handful of questions about an SR-22 before they file. These are the answers we give most often, in plain terms. If yours is not below, call and we will walk you through it.
Is an SR-22 a separate insurance policy?
No, an SR-22 is not a separate policy. It is a certificate of financial responsibility your insurer files with the state to prove you carry at least the required coverage. You keep one auto policy, and the SR-22 rides on top of it as proof.
Will SR-22 insurance show up on a background check?
No. An SR-22 is part of your state driving record, not a criminal record. An employer running a standard background check will not see it, because it lives with your motor-vehicle file, separate from anything a criminal search would return.
How long will I need SR-22 insurance?
Your state and your violation set the length, and many drivers carry it for about three years. Miss a payment and the filing can lapse, which may restart that clock, so keeping the policy active is what lets it end on schedule.
Can I switch insurers while I have SR-22 insurance?
Yes, but never cancel the old policy before the new SR-22 is filed, or the state sees a gap in your coverage. We line up the timing so your filing stays continuous and your coverage never lapses between carriers.