After the letter arrives
How an SR-22 filing works
If a court or DMV wrote you, you need an insurer to file proof that you carry liability coverage. Call (866) 778-1093 with the letter in your hand.
What we do on the call
From your letter to a certificate on file
An SR-22 is not a second kind of car insurance. It is a certificate of financial responsibility. We quote a liability policy. An authorized insurer files that proof with your state. If the letter says FR-44 — common after some DUI orders in Florida and Virginia — say so. Those limits are higher.
Read it together
Your license number, the date on the notice, and whether a car is still in your name. If you sold the car, say so.
Hear both numbers
A filing fee plus the liability premium. A DUI or uninsured crash is not a clean-record price. We only quote carriers that will file.
The insurer files
They send the certificate to the DMV. You do not mail a form yourself.
Keep coverage on
If the policy lapses, the state can put the hold back. When the letter’s term ends, ask us to remove the filing — it does not drop off by itself.
What you are paying for
The certificate is not the monthly bill
The SR-22 is proof that you already have the liability coverage the state wants. The filing fee is usually a small charge. The number you feel each month is the high-risk policy that carries the form.
Your quote follows the state on the letter, why it was ordered, and whether you own a car. How quotes work splits those two numbers.
After a DUI, start with what to do after a DUI letter — the filing does not replace court, interlock, or treatment. Sold the car? A non-owner SR-22 can still go on your license. Trying to drive again? See license reinstatement.
If this is your situation
Start with why they wrote you
A DUI, no car, a quote, or getting the license back — open the guide that matches your letter.
Comparing SR22 quotes
What you pay is the filing fee plus the high-risk premium. Both numbers depend on the state and the reason on the letter.
Read the guide 02Non-owner SR22
Need the filing and do not own a car. A non-owner policy can still carry the certificate.
Read the guide 03After a DUI
The most common order — including FR-44 in Florida and Virginia, when the letter says so.
Read the guide 04License reinstatement
The DMV wants proof on file before you drive again. Keep the filing continuous.
Read the guideQuestions
Before you call
Do I pay a filing fee and a monthly policy?
Yes. The SR-22 is a certificate, not a standalone policy. You still buy liability coverage that can carry it. The quote follows the state on your letter, the reason it was ordered (DUI, no insurance, suspension), and whether a car is in your name.
Can you file if I no longer live in that state?
Yes. If the ticket or the DMV letter is from another state, tell us both places. We file where the letter says.
What should I have when I call?
The letter — state and form name — plus your license number, the date on the notice, and whether you still own a car. If it says FR-44, say FR-44. Florida and Virginia use that form after some DUI orders, and the limits are higher.
Are you the insurance company?
No. We quote carriers that will file. The insurer sends the certificate to the DMV. We are a filing-help desk, not a law firm.
What if I cannot call right now?
Email [email protected] or use the Contact page. Have a photo of the letter ready so we can read the form name and the dates.
Get started
Let’s get the SR22 on file.
Ask for the quote. We file in the states listed on this site.
(866) 778-1093