Legal & Compliance
SR-22
Definition
A certificate of financial responsibility filed by an insurance company with the state DMV on behalf of a driver, proving that the driver carries at least the state-required minimum auto insurance. Typically required after serious traffic violations such as DUI, driving without insurance, or accumulating multiple at-fault accidents.
In Zach’s Words
“An SR-22 isn't actually insurance — it's a form your insurance company files with the DMV to prove you're carrying coverage. You usually need one after a DUI, getting caught driving without insurance, or racking up too many violations. It's basically the DMV's way of keeping tabs on you. The filing itself is cheap, but the insurance that goes with it? That's where it gets expensive, because you're now in the 'high-risk' category. Most people need to carry an SR-22 for 3 years.”
— Zach Nadler, CIO