Who Needs to File an SR-22?

An SR-22 is a certificate of financial responsibility that proves you carry the minimum state-required auto insurance coverage. It’s often mandated by the state for drivers who have experienced specific violations or issues.

The following are the main situations where filing an SR-22 is typically required:

• DUI or DWI offenders—Drivers convicted of driving under the influence of drugs or alcohol typically need to file an SR-22 as one of the conditions of reinstating their driving privileges.

• Repeated traffic violations—If you accumulate multiple moving violations, such as speeding tickets or reckless driving charges, the state may require an SR-22.

• Driving without insurance—If you’re caught driving without valid insurance, you’ll likely be required to file an SR-22 to demonstrate that you now have coverage.

• High-risk drivers—Some insurance companies classify certain drivers as high-risk due to their driving history or other factors, which may lead to the need for an SR-22.

How Long Do You Need to File an SR-22?

The duration for which you must maintain an SR-22 varies by state and individual circumstances. Generally, you may need to hold the SR-22 for a minimum of three years. However, this can change based on the severity of the violations and your driving record. Check with your state’s Department of Motor Vehicles (DMV) for specific requirements.

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Contact Bosway Auto Insurance Group in Avondale, Arizona, for a personalized auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.