What is SR-22 Insurance?

Nobody is perfect, but some mistakes are more costly than others. That is certainly true when it comes to the act of driving while intoxicated. Not only are you risking the lives of everyone surrounding you and your vehicle, you may experience extremely costly auto insurance because of your indiscretion.

If you have already gotten a DUI, then you have probably experienced first hand the effects of the moving violation and your insurance. If not, brace yourself for high DUI insurance rates and needing to carry a SR-22 with you at all times.

What is SR-22?

A SR-22 is a proof of insurance form specifically created to prove adequate auto insurance coverage for those convicted of moving violations. People who have been found guilty of DUI, DWI, at-fault accidents with no proof of insurance, serious moving violations, repeat offenders or those driving without a proper license may be required to get the paperwork.

SR-22 forms are state specific and may require a filing fee to process. Currently, Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania don’t require an SR-22 form for convicted drivers. However, if you move into any of these states with a SR-22 to your name, you will be required to carry the document and adhere to your original court orders. New York and North Carolina do not require any type of SR-22 filings at all, but the state in which you were convicted may still require you to carry the paperwork.

There is no quick fix for those wanting to shed the stigma of being a drunk driver or having to carry a SR-22 insurance form. Expect to have a blemish on your record for 3-10 years, however this is based on the laws of your state and the court’s discretion.

Ultimately, you will end up struggling to find cheap SR-22 insurance coverage for many years to come.