{"id":846,"date":"2022-07-27T16:42:24","date_gmt":"2022-07-27T16:42:24","guid":{"rendered":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/?p=846"},"modified":"2025-08-28T22:10:37","modified_gmt":"2025-08-28T22:10:37","slug":"how-much-sr-22-coverage-is-actually-required","status":"publish","type":"post","link":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/sr-22-tips\/how-much-sr-22-coverage-is-actually-required\/","title":{"rendered":"SR-22 Insurance: How Much Coverage is Actually Required?\u00a0"},"content":{"rendered":"
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If you\u2019ve recently been ordered to get <\/span>SR-22 insurance<\/span><\/a>, there are probably a lot of questions going through your head. What\u2019s SR-22 insurance? Where do I get it? And most importantly, how much SR-22 insurance coverage is actually required?<\/span>\u00a0<\/span><\/p>\n

Let\u2019s dive into the basics of SR-22 insurance coverage and how to figure out how much coverage you need to get back on the road safely and legally.<\/span>\u00a0<\/span><\/p>\n

What is SR-22<\/span><\/b> Insurance?\u00a0<\/span><\/h2>\n

SR-22 insurance, also known as an <\/span>SR-22<\/span><\/a> certificate of financial responsibility, is a form filed with your state DMV to show that you have the state-required minimum insurance coverage. You might be required to file an SR-22 if you were convicted of a DUI, caught driving without insurance, or involved in too many at-fault accidents.<\/span>\u00a0<\/span><\/p>\n

An SR-22 technically isn\u2019t a separate type of insurance. Rather, your insurance company files the SR-22 on your behalf \u2014 you can\u2019t file an SR-22 by yourself \u2014 to show that you have an active policy with them. That said, <\/span>not every insurance company<\/span><\/a> is willing to insure people who need an SR-22.<\/span>\u00a0<\/span><\/p>\n

If you were recently ordered to file an SR-22, you should always shop around for new insurance quotes. Even if your insurance company is willing to file your SR-22, chances are that your premium will go up. There are insurance companies that specialize in working with SR-22 customers, offering special discounted rates on SR-22 insurance.<\/span>\u00a0<\/span><\/p>\n

How Much<\/span><\/b> SR-22 Coverage Do I Need?<\/span><\/b>\u00a0<\/span><\/h2>\n

SR-22 insurance coverage needs to meet the state-required minimum coverage where you live. If your state has additional insurance coverage requirements for drivers (more on that below), then your SR-22 insurance needs to include that coverage as well.<\/span>\u00a0<\/span><\/p>\n

What is the<\/span><\/b> Minimum Liability Insurance Required in My State?<\/span><\/b>\u00a0<\/span><\/h2>\n

Each state has its own <\/span>minimum requirements<\/span><\/a> for auto liability insurance. Typical state-required minimum coverage includes coverage for bodily injury liability (BI) and property damage liability (PD).<\/span>\u00a0<\/span><\/p>\n