What is an SR22 or Certificate of Financial Responsibility?

An SR22 is an obligatory document for many people looking to have their driving privileges reinstated. It proves to the state that the individual has the required vehicle insurance coverage. COFR, Certificate of Financial Responsibility, is another term for this type of insurance, though it’s important to remember that it is not a type of car insurance. The SR22 is a form of proof of insurance that is provided by the insurance company to the state that asks for it.

The SR22 is a way to show the state you have the right coverage and are able to drive again. It can be referred to as SR22 insurance, but again, it is not auto insurance. This document is proof of your insurance policy, and is supplied to the state by your insurance company.

In order to meet the requirements for your state, you need to keep both your SR22 and auto insurance policy active for an approximate period of three years. If your insurance policy has lapsed, your insurer is legally obligated to inform the DMV. If this happens, your license will be suspended until you reinstate your insurance. When you have fulfilled your SR22 obligations for the designated amount of time, your SR22 status will be taken off.

Do I need SR22 insurance?

A man calls his SR-22 insurance company.

You may need SR22 insurance in the following situations:

  • You have a moving violation against you, such as DWI and DUI.
  • Multiple traffic violations within a short time span.
  • You were behind the wheel without insurance and caused an accident.
  • Not carrying car insurance on a registered vehicle.
  • You have unpaid child support.
  • You need to reinstate a revoked or suspended license.

Paperwork for SR-22 car insurance.

Types of SR22 Coverage

  • Liability coverage
  • Uninsured motorist coverage
  • Underinsured motorist coverage
  • Comprehensive coverage
  • Roadside/rental coverage

A woman calls her SR-22 insurance company.

Compare local estimates today!

In need of SR22 insurance in Concord? Call us for a quote to get back on the road fast. Once you’ve filed an SR22 and paid your fines and administrative fees, you’ll get your license back!

Our agents are available to answer all your questions and get you started right away.

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1. Call us or complete our form for a free estimate

You can use our services for free – no charge unless you decide to get SR22 insurance from one of our providers.

2. Connect with an SR22 provider

If you’re too busy right now, it’s easy to fill out our form and have someone get back to you later. Alternatively, you can call to connect with a SR22 provider and receive a competitive estimate.