What is SR-22 insurance & how does it work? | Dairyland® auto

If you receive a driving violation like a DUI or driving without insurance, your state may require you to get an SR-22 to show you meet minimum car insurance requirements. But you don’t have time to wait around—you need to get where you’re going. We can help by issuing your SR-22 right away and letting the state know you’re covered—with no filing fee.

Who needs an SR-22?

Not all drivers need to file for SR-22s. Each state has its own specific requirements, but as a rule of thumb, high-risk drivers with one or more of the following violations on their recent driving record will likely need an SR-22:

  • Driving under the influence (DUI) or driving while intoxicated (DWI)
  • Driving with a suspended or revoked driver’s license
  • Causing an accident while driving without insurance
  • Being charged for repeated traffic violations—like multiple speeding tickets over the course of a few months—or severe violations, such as reckless driving

If you meet this criterion and a court or the state determines you need to file for an SR-22, you’ll be notified and receive clear direction—either in-person during your hearing, or via a letter mailed to your home from your state’s department of motor vehicles (DMV).

How do you get SR-22 auto insurance?

The process for getting an SR-22 varies by state. In general, simply indicate you need to file an SR-22 when you purchase your auto insurance policy—we can take it from there. You need to provide your driver’s license number or other identification number for us to file with your state.

How long does it take to get an SR-22?

We can issue you one immediately. In most states, we can also send your SR-22 to the state electronically the same day—and with no filing fee. Need to file one now? Get a quote for cheap SR-22 insurance with Dairyland®.

How much does SR-22 insurance cost?

At Dairyland, most often we file your SR-22 for free as part of your policy. Some companies and agencies might charge you additional fees or surcharges.

Can you buy an SR-22 policy online?

Dairyland offers policies with an SR-22 you can purchase online. We also offer many other coverage options you can add to your policy, depending on your situation and budget.