What is SR-22 insurance?

Answer 1

"SR-22 Insurance" is auto insurance that has been endorsed by an SR-22.
This endorsement is added to your auto-insurance policy and informs the Department of Motor Vehicles (DMV) or the Secretary of State that you comply with the state's minimum requirements for auto insurance.

The SR-22 certificate does not affect the cost of your insurance. However, the SR-22 is needed when you have a serious violation, which can affect your risk and which may result in higher insurance rates.

The primary reason for the SR-22 requirement is the failure to comply with your state's financial-responsibility (insurance) law. Other violations can include DUIs, drug possession, vehicular assault, and those involving negligence or severe endangerment of other drivers or pedestrians.

If the SR-22-endorsed auto-insurance policy has expired or has been canceled, the insurer must file an SR-26, which is a cancellation of your SR-22 certificate. If the filing period has not expired, the state may suspend your driver's license, and your license plates can be confiscated for failure to comply with the SR-22 requirement. If your insurer has cancelled your insurance, you will need to find an insurer who is willing to issue a new SR22 to have your license reinstated.