When you find out you need SR22 insurance, you might be feeling confused. While it may sound like a unique type of insurance policy, an SR22 is actually a form submitted to the DMV needed by the state in certain circumstances. Let’s clarify what SR22 insurance is, who needs it, how it works, and why choosing a trusted provider is essential.

What Is SR22 Insurance?

Despite the name, SR22 insurance is not a standalone insurance product. It’s a certificate that your insurer files with the state to prove that you have the mandatory insurance by law. You can think of it as a guarantee from your insurer that you’re financially responsible while driving.

Who Needs SR22 Insurance?

You might be required to carry an SR22 if you’ve been involved in specific traffic-related offenses, such as:

• Driving under the influence
• Dangerous driving behavior
• Operating a vehicle without insurance
• Numerous infractions
• Driver’s license issues

The SR22 requirement is often included in the reinstatement process for your driver's license after such infractions.

How Long Is SR22 Insurance Required?

The duration you need to maintain SR22 coverage can differ by location, but in most cases, it’s required for three years. It’s important to keep the policy active during this time. If it lapses, your insurer must notify the state, which could cause another license suspension.

SR22 Insurance Pricing

The cost of filing an SR22 form is usually affordable—typically between $15 and $50. However, your coverage costs may go up depending on your driving history and the reason for the SR22. Drivers with violations often face higher rates, so it’s smart to compare quotes from multiple providers.

How to Get SR22 Insurance

Follow these steps to obtain SR22 insurance:

1. Get in touch with your insurance provider and inform them you need an SR22.
2. Adjust or begin your auto insurance policy to meet state legal requirements.
3. Your insurer will submit the certificate with the state.
4. You’ll receive confirmation once the state has accepted the filing.

Some companies don’t provide SR22 filings, so it’s recommended to work with one that can handle the process.

Choosing the Right SR22 Provider

Not all insurance companies specialize in SR22 filings, so it’s best to go with a provider that focuses on these cases. They’ll help you stay compliant, maintain your coverage, and find better pricing even with a poor driving history.

If you're looking for a local SR22 insurance provider in Fort Lauderdale, here’s a highly recommended option:

Name: SR22 Direct of Fort Lauderdale
Address: 3511 W Commercial Blvd, Fort Lauderdale, FL 33309
Phone: (954) 947-0494
Website: https://sr22direct.com/locations/fort-lauderdale-sr22-insurance/
SR22 sr22 insurance Direct of Fort Lauderdale offers fast, affordable, and reliable SR22 filings for drivers who need to get back on the road. Let their experienced team assist you every step of the way.