A lot of mystery and confusion surrounds the SR22 requirement in connection with California DUI cases. In this article, we break it down and explain everything.
What’s an SR-22?
An SR-22 — also known as SR-22 insurance or Certificate of Financial Responsibility (CFR) — isn’t a type of car insurance, but verification that you’re maintaining car insurance liability coverage. An SR-22 form is a state-mandated certificate filed by your car insurance carrier with your state’s Department of Motor Vehicles (DMV).
Do I need an SR-22/FR-44?
Not everyone needs an SR-22/FR-44. Regulations vary from state to state. Usually, it is required by the court or mandated by the state only for certain driving-related violations. For example:
- DUI convictions
- Reckless driving
- Accidents caused by uninsured drivers
An SR22 must be obtained anytime you wish to reinstate your license following a DMV suspension or revocation. Although they are most commonly associated with DUI-related license suspensions, an SR22 may be necessary under a variety of circumstances.
What does an SR-22 cost?
Though it varies by state, car insurance companies will typically charge a nominal fee of $15 to $25 for filing an SR-22 form.
If you need an SR-22, however, you’ll first need to purchase a car insurance policy. Your car insurance rate will be determined based on all the factors that normally go into rating a policy. However, keep in mind that car insurance companies generally consider drivers who need an SR-22 riskier to insure, so your car insurance rates will likely reflect the risk.
We recommend shopping around, but remember, the cheapest SR-22 insurance quotes may not be the best. You should always consider the company’s service, financial responsibility, and reliability when making an insurance purchase of any kind.