SR22. What is an SR22? An SR-22 certificate is a file that proves a driver has the minimum quantity of liability insurance needed by their state. This type suggests financial responsibility, which is required for those who have had their driving privileges withdrawed or suspended due to an accident or infraction. Insurance companies file this kind with the Department of Motor Vehicles (DMV) on behalf of motorists that need it. The cost of an SR-22 differs depending upon the insurer and also state needs, however it's normally greater than normal insurance policies due to the fact that it's thought about high-risk coverage. Motorists must keep their SR-22 certificate for a details duration, usually three years, with no lapses in insurance coverage. How does an SR22 work? An SR-22 is a kind of file that is needed by the Department of Motor Vehicles (DMV) for high-risk motorists who have actually devoted specific traffic offenses or infractions. Why is an SR22 needed? How do i get an SR22?