SR-22 Specialists: We Will Help You Get Back on the Road

What is SR-22 insurance? Why do I need SR-22 insurance? Let The Insurance Office answer all your questions. Insurance is all about being prepared and protected for the unexpected. So, if you’re told you need to get an SR-22, SR-22 insurance, or an SR-22 form, would you know what to do? We’re here to help. Most people don't know exactly what an SR-22 is until they need one. Is it car insurance? How does a driver get an SR-22? We have your coverage answers below.

Affordable Car Insurance | Milwaukee, WI | The Insurance Office

What is an SR-22?

An SR-22 is a certificate of insurance that proves you carry car insurance. Some people refer to it as SR-22 car insurance, or a certificate of financial responsibility (CFR) filing. The SR-22 simply states you’re meeting your state’s car insurance coverage requirements for driving over a specified amount of time. We can issue a driver an SR-22 certificate immediately and file it with your state the same day, often electronically. And while we might offer affordable car insurance, you’ll find we also deliver quality coverage with friendly, top-notch customer service.

Who Needs an SR-22?
You may need SR-22 coverage if you have one of the following driving violations (your state might also require them for reasons not listed below):
- DUI or DWI
- Reckless Driving
- At-fault Accidents
- Driving Without Insurance Coverage
- Driving with a Suspended License
You might also need an SR-22 if you have a bunch of small incidents pile up over time. Again, it’s different for every state. Good drivers who don’t have any traffic violations don’t have to get an SR=22 to be legal on the road.
Can I Get an SR-22 Today?

Yes. We can issue you one immediately. In most states, we’re able to electronically send your SR-22 to the state the same day. We also offer many other coverage options that can be added to your policy, depending on your needs and budget.
How Long Does an SR-22 Last?

Most states require drivers to have SR-22 coverage along with an insurance policy for about three years. This may vary by state or by circumstances, so be sure to check your state’s requirements and ask your insurance carrier for specifics.
What if My Policy Cancels?

If your SR-22 lapses, your insurance company is required to contact the Department of Motor Vehicles (DMV). This could result in loss of your driver’s license or, depending on your state of residence, other consequences. Making payments on time will help keep a policy from canceling and prevent an SR-26 from being sent to the state. An SR-26 cancels the SR-22 with the state. In turn, if an SR-22 is no longer needed, an SR-26 form is also filed to remove the SR-22 requirement.

Will an SR-22 Raise My Insurance?

Generally, just having an SR-22 filing on your policy will not impact your car insurance premium.
What Types of SR-22 Certificates Are There?
There are three types of SR-22 insurance:
- Operator: An Operator’s Certificate is designed for drivers who borrow or rent a car, but don’t own a car. This is sometimes used with a non-owner car insurance policy.
- Owner: An Owner’s Form is for those who own and drive their own car.
- Operator/Owner: An Operator/Owner Form is a combination form that applies to those who own their own car, but also borrow or rent one to drive occasionally.
Can I Get an SR-22 if I Don’t Own a Car?

Yes. You can get SR-22 insurance if you don’t own a vehicle with our non-owner car insurance policy. Non-owner car insurance protects you in the event you’re found to be at fault in an accident while driving a vehicle not owned by you. It’s a secondary coverage that pays for damages above and beyond what might be covered through the car’s primary insurance.