An SR-22 isn’t insurance—it’s a filing your insurance company sends to the state to confirm you have coverage. If your policy cancels, the state is notified immediately.
You may need one after a DUI, driving without insurance, or a license suspension. In most cases, the requirement lasts about three years.
An important detail many drivers don’t realize
In Virginia, removing insurance from a vehicle—even one you’re not driving—can trigger a license suspension if it’s still registered. We’ve seen situations where that alone led to an SR-22 requirement.
Before canceling coverage, confirm the vehicle has been removed from your registration or properly reported to the DMV.
Why it can be harder to find coverage
- Fewer companies offer SR-22 policies
- Rates are typically higher
- Continuous coverage is required—no lapses
What to expect
Coverage is available, just more limited than usual. The key is staying insured consistently until the requirement ends.
Where we fit
We’re always happy to point you in the right direction, but most of our partner carriers focus on standard market risks and have limited appetite for SR-22 filings. As a result, we’re not always the best fit for placing this type of coverage.
If you need help understanding your next step, we’re glad to offer guidance.
Bottom line
This is a temporary requirement—not a permanent label. Handle it cleanly, and you’ll move back into the standard market over time.
