The primary function of car insurance is to offer financial coverage against physical injury or damage resulting from road accidents and from liability that may arise out of car accidents. It’s also used to protect the insured driver’s passengers, if any, against losses incurred as a result of an accident. The insurance provider may either require specific types of coverage or may allow the insuree to choose from a variety of coverage options. 

Many states require drivers to get car insurance, and some even need drivers to get an SR-22 certificate. Some people confuse the SR-22 certificate as SR-22 insurance. In this article, you’ll learn more about what the SR-22 certification is and the reasons why a person is required to have one.  


What Is An SR-22 Certificate? 

An SR-22 certificate is an excellent way for state officials to check that a potential motorist has the proper insurance on their car. This form also shows that the driver has the required minimum insurance coverage. In some states, it can also warn officials if the motorist fails to maintain that minimum coverage.  

There’s also a non owner SR22 insurance available today. This insurance or certificate is given to people who drive but don’t have a car listed under their name. People use this certificate as proof of financial responsibility. The certificate is attached to a non-owner insurance policy and filed with the state DMV. People also file for this certification for driver’s license reinstatement. It’s considered as secondary liability insurance that covers the driver when they’re driving someone else’s car.  

Who Is Required To Get An SR-22 Certification? 

There are a few things that make an individual eligible for this particular insurance certification. First, suppose the individual has been convicted of driving while intoxicated or driving under the influence of drugs or alcohol. In that case, they’ll most likely qualify for this coverage on their auto insurance policy. Individuals who have multiple traffic violations can also find themselves on the list of high-risk drivers.  

Here are other people who need to get SR-22 insurance:  

  • People who caused a car accident while driving an uninsured vehicle 
  • People who had their license revoked or suspended 
  • People who have hardship license, like a temporary license that restricts driving hours 
  • People who are not paying court-ordered child support 

sr22How To Apply For An SR-22  

If you’re planning to get an SR-22 insurance of certification, there are necessary steps you should follow, like the following:  

  • Get A Car Insurance 

The first requirement for an SR-22 certification is a car insurance, which depends on the state you live in. Most people get comprehensive car insurance, especially when they’re still paying off their cars.  

  • Contact Your Car Insurance Provider 

Many car insurance providers can file for SR-22 on your behalf. Note that an SR-22 requirement will force your insurance provider to change your insurance risk factor to high. This means that your insurance provider may need to make some changes in your policies and coverage. 

Since some companies don’t offer to file SR-22 certificates because they can’t cover high-risk drivers, it would be best if you discussed the need for SR-22 certification with your insurance provider.  

  • Fill Out The SR-22 Application Form and Have It Signed by an Inspection Officer 

Another requirement for getting this type of insurance is that you need to have an SR-22 form signed in front of an inspecting officer. When this form is completed and approved, it’s valid for processing. 

Once the process starts, the automobile owner will need to present the certificate to the inspecting officer before the car insurance requirements can be met. 


Requirements for an SR-22 certificate may vary by state. However, general rules state that you’ll have to keep both your SR-22 and car insurance policy for at least three years. Failure to comply with these terms could result in the revocation of your driver’s license or your license being suspended.  

In case your car insurance policy expires during the provided term, your car insurance provider should notify the state DMV as your license will remain suspended until your insurance is reinstated.  


Getting car insurance is one of the essential tips for buying your first car or any vehicle. This is because a car insurance financially protects you and your property in case an accident happens. Getting an SR-22 certificate is also a plus when you’re driving a car, especially if you have a history of repeated accidents or have a DUI charge.  

To successfully acquire an SR-22 certification, you need to ensure that you have car insurance. You can also discuss with your car insurance provider regarding the need to get this certification, and they can file it for you. Lastly, make sure you maintain both your car insurance and SR-22 certification for three years so your license won’t get revoked or suspended.