Personal Coverage

SR 22 Bond Insurance

What’s SR22 insurance? We have answers!!

Insurance is all about being prepared and protected for the unexpected. So, if you’re told you need to get an SR22, SR 22 insurance, or an SR-22 form, or financial responsibility, would you know what to do?

Most people don’t know exactly what an SR22 is until they need one. Is it car insurance? How does a driver get an SR22? We have your coverage answers below. 

We can issue a driver an SR-22 certificate immediately and file it with your state the same day, often electronically.

What’s an SR22?

An SR-22 is a certificate of insurance that proves to the state that you carry car insurance. Some people refer to it as SR 22 car insurance, or a certificate of financial responsibility (CFR) filing. The SR22 simply states you’re meeting your state’s car insurance coverage requirements for driving over a specified amount of time.

What is an SR-22?
Are SR-22 and SR22 different?

SR22, SR-22, SR 22, SR22 form: Is it all the same?

Yes, no matter how you reference SR22, all the above examples refer to SR-22 car insurance for drivers. Insurance companies may have a preference in how they use the term SR22 in print and online, but it’s all referring to the CFR filing you need to do to meet your state’s insurance requirements.


Who needs an SR22?

You may need SR22 coverage if you have one of the following driving violations (your state might also require them for reasons not listed below):


Reckless Driving

At-fault Accidents

Driving Without Insurance

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 SR22 to be legal on the road.

What types of SR 22 certificates are there?

Operator Certificate

For drivers who borrow or rent cars without owning, often paired with non-owner car insurance

Owner’s Form

is for those who own and drive their own car

Operator/Owner Form

For those who own a car but also borrow or rent one occasionally

Other Frequently Asked Questions

An SR 22 means you’re meeting your state’s car insurance minimum requirements for driving and is NOT considered car insurance itself and does not typically count towards 6 months previous insurance discounts. We, as your policy provider, inform the state that we’re covering your driving for certain car insurance-related circumstances.

The additional information varies, but in general, simply indicating you’re a driver in need of an SR-22 filing when purchasing your auto insurance policy is enough. Your agent can take it from there. You’ll need to provide your driver’s license number, date of birth, and last 4 of your social security number in order to determine if an SR 22 is needed.

Yes. We can issue you one immediately.  We’re able to electronically send your SR-22 to the state the same day.

If the state requires you to carry an SR 22, they could require drivers to have SR 22 coverage along with an insurance policy for as little as 6 months but is typically required for three years, in worst case scenarios, it could be required indefinitely. This  varies based on certain circumstances, so be sure to check with your local BMV or call (844)OHIOBMV (844-644-6268) to determine how long you are required to carry an SR 22.

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 SR26 from being sent to the state. An SR26 cancels the SR22 with the state.

In turn, if an SR22 is no longer needed, an SR-26 form is also filed to remove the SR22 requirement.

With many companies, yes.  Most companies that offer SR-22 coverage have a filing fee that is included in the down payment or spread out over life of the policy term.

Yes. You can get SR22 insurance if you don’t own a vehicle with non-owner car insurance. 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.

A certificate of financial responsibility is another term for SR22 insurance, showing that you’re meeting your state’s minimum car insurance requirements for a specified amount of time.

How It Works

We understand that clients have diverse needs. Our strength lies in our ability to consistently provide custom solutions and project management to help guide businesses to make smart insurance decisions. Get covered in just four easy steps!

1. Discuss Your Needs

2. Obtain Partner Quotes

3. Review Your Options

4. Bind Your Coverage