Question 1

What is an SR-22?

Accepted Answer

An SR-22 is not an insurance policy — it is a form your insurance carrier files with your state's DMV certifying that you carry the minimum required liability coverage. It is required after certain driving violations as a condition of license reinstatement.

Question 2

Who needs an SR-22?

Accepted Answer

You may need an SR-22 if you were convicted of DUI/DWI, caught driving without insurance, had your license suspended or revoked, or accumulated too many violations in a short period. Your state's DMV notifies you directly.

Question 3

How do I get an SR-22 filed?

Accepted Answer

Purchase an auto insurance policy from a carrier that accepts SR-22 filings in your state, inform them of your SR-22 requirement, and the carrier electronically files the certificate with your state's DMV — typically within 24–48 hours.

Question 4

How long do I need to maintain an SR-22?

Accepted Answer

Most states require 2–3 years of continuous SR-22 coverage. DUI offenses often require 3–5 years. Any lapse in coverage can restart the period. VKOVR tracks your SR-22 timeline and ensures you maintain coverage through completion.

Question 5

How much does SR-22 insurance cost?

Accepted Answer

The SR-22 filing itself is a small administrative fee ($15–$50). The larger cost is the higher premiums associated with the high-risk status that triggered the SR-22 requirement. Comparison shopping across multiple carriers — which VKOVR does — can save hundreds of dollars annually.

Question 6

What is an FR-44 and how is it different from SR-22?

Accepted Answer

An FR-44 is required in Florida and Virginia for DUI/DWI-related offenses. Unlike SR-22, an FR-44 requires higher liability limits — typically double the state minimums. The filing and maintenance process is similar to SR-22.

Question 7

What happens if my SR-22 policy lapses?

Accepted Answer

If your policy lapses, your carrier files an SR-26 form notifying the state DMV that your coverage has ended. This typically results in license suspension until a new SR-22 policy is reinstated — and in many states, the SR-22 period restarts from zero.

SR-22 Insurance Insurance FAQ

SR-22 Insurance Insurance FAQ

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