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Get Your SR-22
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We specialize in helping Ohio drivers obtain affordable auto insurance and the SR-22 filing required to maintain or reinstate their driving privileges. Whether you need an SR-22 because of a license suspension, uninsured driving violation, DUI, serious traffic offense, or another state requirement, we are ready to help. Don't drive uninsured, call (888) 928-9324 or email us at mail@unquoting.com today to get the coverage and SR-22 filing you need!

We can help you compare auto insurance options and submit your SR-22 filing electronically to the State of Ohio. Contact us today for fast, professional assistance getting back on the road.

SR-22 What is it and how does it work?


What is an SR-22?

An SR-22 is a certificate of financial responsibility that may be required by a state agency or court. It is not a separate type of insurance policy. Instead, it is a form filed by your insurance company to verify that your auto insurance meets the state’s minimum liability coverage requirements.

Is there a difference between the SR-22 and the FR-44 form?

SR-22 and FR-44 forms are financial responsibility filings that certain states require after serious driving violations. Neither form is an insurance policy. Instead, the driver’s insurance company files the form with the appropriate state agency to confirm that the driver carries the required amount of auto liability insurance.

An SR-22 may be required after offenses such as driving under the influence, driving without insurance, accumulating multiple traffic violations, or having a driver’s license suspended. The filing verifies that the driver’s auto insurance policy meets the state’s minimum liability coverage requirements. The driver must generally maintain continuous coverage for a specified period.

An FR-44 serves a similar purpose but is used only in Florida and Virginia. The primary difference is that an FR-44 typically requires higher liability coverage limits than an SR-22. It is generally required following more serious offenses, including certain DUI-related convictions.

Both filings are intended to ensure that drivers considered high-risk maintain adequate auto insurance coverage. However, the FR-44 carries stricter liability insurance requirements because of the seriousness of the violations associated with it.

What if I need a SR-22 in a state I don't live in?

If you are required to carry an SR-22 in a state where you no longer live, you will generally need coverage from an insurance company authorized to file the SR-22 in the state that issued the requirement. Your insurance provider can help arrange the appropriate filing and ensure that you remain compliant with that state’s regulations while living elsewhere.

What if I need a SR-22 and don't have a car?

If you need an SR-22 but do not own a vehicle, you may qualify for a non-owner auto insurance policy with an SR-22 filing. This policy provides liability coverage when you occasionally drive a vehicle you do not own and allows you to satisfy the state’s financial responsibility requirements without insuring a specific vehicle.

Do I need a SR-22?

Not everyone needs a SR-22/FR-44. Regulations vary from state to state. Usually, it is required by the court or mandated by the state only for certain driving-related violations. For example:
- DUI and DWI convictions
- Reckless driving
- Driving while underinsured or uninsured
- Excessive at-fault accidents or traffic violations
- Repeat offenses in a short period of time
- Failure to pay court-ordered child support
- Drivers with hardship licenses

If you need an SR-22/FR-44, the courts or your state Motor Vehicle Department will notify you.

How do I obtain an SR-22/FR-44?

If you are not currently insured through Unquoting Insurance Company, begin by requesting a free auto insurance quote. After purchasing your policy, call us at (888) 928-9324 and let us know that you need an SR-22 or other certificate of financial responsibility.

We will review your policy and begin filing the required certificate with the appropriate state agency on your behalf. We will contact you if any additional information is needed to complete the filing.

Current customers may call us at (888) 928-9324. We will review your existing policy and coverage limits, then assist with filing the required SR-22 certificate on your behalf.

Does a SR-22 Require a Defensive Driving Course?

An SR-22 filing does not typically require you to complete a defensive driving course. However, depending on the offense, a court or state agency may require a driving course as part of the penalties or license-reinstatement process.

Even when it is not required, completing an approved defensive driving course may help improve your driving skills and could qualify you for an insurance discount. Contact the court, your state’s motor vehicle agency, or a qualified attorney to confirm the requirements that apply to your situation.

To find out more about the course locations near you, please call the National Safety Council at (800) 621-6244.

Is there a fee associated with a SR-22?

Most states charge a one-time filing fee for an SR-22 or FR-44, while some may also impose an additional surcharge. The fee is generally collected when the certificate is filed and will not be charged again unless your insurance coverage lapses and a new filing becomes necessary.

A separate filing fee applies to each person who requires an SR-22 or FR-44. For example, if both you and your spouse need a filing, the fee will be charged for each individual.

Please note that the filing fee is not included in your initial insurance quote because the amount varies by state and filing type. The applicable fee will be disclosed before you purchase your policy.

How long is the SR-22 valid?

Your SR-22 filing remains valid as long as your insurance policy stays active. If your policy is canceled or lapses while you are still required to maintain an SR-22, the insurance company must notify the appropriate state agency. A break in coverage could result in another license suspension or the loss of your driving privileges.

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