Although it is sometimes referred to as a type of auto insurance, the SR-22 is simply a document that high-risk drivers sometimes have to submit via their insurance company to prove they have the minimum legally required auto insurance coverage. Not everyone will need to file an SR-22. In general, they are required for those who are ordered by their state.

If you find yourself struggling to find auto insurance (whether for court-issued reasons or otherwise), consider one of CNBC Select’s top picks of auto insurance companies for high-risk drivers.

Our best comprehensive insurance company for high-risk drivers is State Farm, which offers affordable rates for situations like DUIs or DWIs and those with at-fault accidents. In addition, they are characterized by a high degree of customer satisfaction. For those with DUIs or DWIs, Progressive offers affordable rates and coverage. Progressive and State Farm both support SR-22 forms.

State Farm Auto Insurance

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    The best way to estimate your costs is to request a quote

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    State Farm is one of the largest auto insurance companies based on market share and has an excellent reputation for customer satisfaction. It offers 13 discounts, including discounts for safe driving and young drivers.

Progressive car insurance

  • it costs

    The best way to estimate your costs is to request a quote

  • The application is available

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    Progressive offers a number of insurance lines to allow for bundling and convenient tools to help you keep your coverage on budget.

Here’s what else you need to know about the SR-22 forms.

What is the SR-22 form?

Who needs an SR-22?

Generally, you will find that you need the SR-22 during a court hearing, or with a letter from your state’s Department of Motor Vehicles.

There are some common reasons you will need to file an SR-22, including:

  • A Single Identity Document (or DWI)
  • Driving without adequate insurance
  • Repeat traffic violations
  • A fault accident where you do not have insurance
  • Non-payment of child support
  • Obtaining a hardship license after your license has been suspended or revoked

However, SR-22 laws vary by state, and different states have different requirements for SR-22 forms.

You may be required to have an SR-22 form on file even if you do not have a car. Form SR-22 for a non-owner auto insurance policy can help you stay in compliance even if you don’t own a car.

How much does the SR-22 cost?

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Editorial note: The opinions, analyses, reviews or recommendations expressed in this article are those of the editorial staff alone, and have not been reviewed, approved or otherwise endorsed by any third party.

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