SR-22
A form proving you carry minimum required auto insurance, required after serious violations.
Full definition
An SR-22 is not insurance — it's a certificate of financial responsibility that your insurer files with your state DMV proving you carry the minimum required coverage. It's required after serious violations like DUI/DWI, reckless driving, driving without insurance, or license suspension. SR-22 requirements typically last 3 years and usually increase your insurance premium significantly.
Real-world example
You receive a DUI. Your state requires an SR-22 for 3 years. Your insurer files the form (fee: $15–$50). Your premium increases by 40–80% during the SR-22 period.
Quick summary
A form proving you carry minimum required auto insurance, required after serious violations.
Related terms
- Premium
The amount you pay for your insurance policy, usually monthly or annually.
- Liability insurance
Coverage that pays for damage or injuries you cause to others.