Debt relief glossary
SR-22
A certificate filed by your insurer proving you carry minimum liability coverage — required after certain violations including DUI.
An SR-22 (or FR-44 in Florida and Virginia) is not an insurance policy — it is a certificate of financial responsibility filed by your auto insurer directly with your state's DMV, confirming you carry at least the state's minimum liability coverage. Courts and DMVs require it after certain serious violations: DUI/DWI, driving without insurance, at-fault accidents without insurance, license suspension, or reckless driving. The SR-22 requirement typically runs 3 years from the date of the conviction or violation. The filing fee itself is $25–$50, but the real cost is the premium surcharge that comes with the high-risk designation — often 50–100% above standard rates for the duration of the requirement.