Frequently Asked Questions About SR22 Insurance

Have you been told you need to get an SR22, SR 22 insurance, or an SR-22 filing? If so we are here to help.
Most people don’t know what an SR22 is until they need one.

Is it car insurance? How does a driver get an SR22?

Find the answers below to these questions and more

What is sr-22 insurance?

A sr22 is a certificate that is added to an insurance policy. The sr22 filing obligates the insurance company to notify DMV if the policy cancels for any reason. If your sr22 requirement has not expired the DMV will re-suspend your drivers license once they are notified

Who needs a sr22 ?

If your license has been suspended by DMV for a major violation such as DUI reckless driving or an accident with no insurance or excessive minor violations you will be required to obtain an insurance policy with a sr22 filing.

How long will I need a sr22 ?

The sr22 insurance requirement is usually a 3 year period but may vary by state to state and your circumstance.

Does the SR22 requirement increase the cost of insurance?

The sr22 filing itself does not increase the premium you will pay for the policy. The policy rate is determined by your driving record, age, vehicle and where you live. Some companies may charge a small fee to file the sr22 ofa $5.00 to $20.00 and we have many companies that do not charge any extra fee for the sr22 filing on the policy.

What happens if my sr22 cancels?

Your insurance company will file a sr26 with the DMV which cancels the sr22 . If you have not finished with the sr22 requirement DMV will re-suspend your license again. If you no longer need the sr22 filing the DMV will take no action on your license.

Are there different types of sr22 ?

If your license has been suspended by DMV for a major violation such as

There are five different types of policies that you can file a sr22 certificate on.

  • Operator: An Operator’s Certificate is designed for drivers who borrow or rent a car, but don’t own a car. This is also known as a Named Non Owner Policy.
  • Owner: An Owner’s Form is for those who own and drive their own car.
  • Broadform: A policy that covers you and only you on all cars you own and follow you if you borrow others vehicles.
  • Motorcycle Form Policy: Yes you can file a sr22 on a motorcycle policy and it will probaly save you money compared to a auto policy
  • Commercial Insurance :  A policy that covers your business vehicles can also have the sr-22 filed on it.

Is having sr-22 insurance considered high risk?

The sr22 insuranNeeding a sr22 by its self is not necessarily considered high risk. That is determined by the actual driving record and the type and amount of violations and accidents over a 3 year period for minors and 10 years for DUI or reckless driving.  

How can I obtain a sr22 ?

You must purchase at least the state minimum of auto insurance with the sr22 filing attached to the policy. If you do not own a vehicle you can purchase a Named Non Owner Policy with the sr22 attached. Click here for more information or to receive a quote.

Can I take the SR-22 to DMV

After you have signed and purchased the insurance you will receive a sr22 filing in your email that you can print and take down to your local DMV. Depending on who the clerk is behind the counter they may or may not accept the sr22. If you get a clerk that does not accept it, a electronic sr22 will also be sent to DMV but expect a wait of a few days for DMV to process it.  

Can you help me obtain a sr22?

Pacific Sun Insurance Service/ represents many insurance companies that offer sr22 insurance. Contact us for a quote and we will find the most affordable price through the different companies we represent. We can issue your sr22 the same day you purchase the policy. We send you the application electronically and you can even sign on a smart phone or desktop or tablet. After you sign you will have the sr22 filing in your email within minutes and a sr22 will also be sent to DMV.