Does an SR‑22 Mean You’re a High‑risk Driver?

In most cases, being required to file an SR-22 is linked to incidents that classify you as a higher-risk driver in the eyes of insurers and the state. While the SR-22 itself is just a form, the circumstances that lead to needing one, such as serious violations or repeated offenses, are what typically result in a high-risk label.

However, an SR-22 requirement does not have to define your insurance future. Maintaining a clean record during the filing period and having continuous coverage can help improve your rates over time.

What Is an SR-22?

An SR-22 is a certificate your insurance company files with your state to confirm that you carry at least the required minimum for liability coverage. Drivers are typically required to obtain one after events such as:

• A DUI or DWI conviction
• Driving without insurance
• Multiple traffic violations in a short period
• A license suspension or revocation
• Involvement in an at-fault accident without adequate coverage

Most states require you to maintain the SR‑22 for three years, though this may vary depending on your situation and state law. Once your filing requirement is complete, you may be able to transition to standard coverage rates. Staying insured without lapses throughout the SR-22 period is essential, since a lapse can restart the clock in many states.

How Does SR-22 Affect Your Premium?

Insurers often use your driving record to assess risk, and an SR-22 requirement signals a pattern they look at to determine your insurance costs. You will likely see higher premiums than you paid before the violation. Rates vary depending on your state, your insurer and the nature of the incident.

Learn More

Contact Bosway Auto Insurance Group today so we can help you navigate SR‑22 requirements and find coverage that works for your situation.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.