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What Is an SR-22 & Why Is It Needed for Car Insurance? December 29, 2017

Beatrice, Gage
What Is an SR-22 & Why Is It Needed for Car Insurance?, Beatrice, Nebraska

An SR-22 form is a certified document that confirms a driver is maintaining car insurance guidelines required by their respective state. The certificate is typically provided by insurance carriers for persons who have committed certain driving infractions. In many cases, the SR-22 form is needed to reinstate a suspended or revoked drivers license.

To obtain car insurance, an SR-22 is required by most states' Department of Motor Vehicles. The agency typically notifies drivers who need proof if they have been cited for driving under the influence (DUI) or driving while intoxicated (DWI). The SR-22 form is also generally required if a person has acquired numerous points on a driving record or was involved in a major accident that caused serious injuries. 

car insuranceOne key distinction about SR-22s is that the insurance provider, not the person seeking proof, must file the necessary paperwork with the DMV. This step ensures the driver has obtained proof of car insurance and has agreed to maintain coverage for a certain period. The time frame varies by each state but coverage is typically is required for at least three years. The good news is if a person maintains a clean driving record during this period, they will be able to obtain standard car insurance again.

An experienced insurance agent can discuss the costs of coverage under SR-22, including premium and deductible amounts. Depending on the infraction, the expenses will vary.


If you've found yourself in a situation that requires an SR-22 form, Renee Bartlett Insurance in Beatrice, NE, is your trusted resource. An affiliate of national leading provider Midwest Regional Agency®, the local firm specializes in customized coverage for high-risk drivers who need a second chance. To learn more, call (402) 228-3400 for free car insurance quotes and friendly customer service. Visit their website for information on a variety of other policies to protect your property, business, and loved ones.

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