What is an SR-22?
An SR-22 isn’t actually auto insurance. SR-22 is a form your insurance company sends to the state’s DMV showing that you carry the minimum required Liability coverage.
Typically, an SR-22 is filed with the state for 3 years.
Reasons you may need an SR-22
Uninsured at-fault accident
Lapse in car insurance
What happens if I don’t file for an SR-22?
If you’re required to have an SR-22 and choose not to file one with your insurance company, you could lose your license and vehicle registration. You may also be required to carry an SR-22 longer than the original term.
You need to maintain the minimum Liability coverage required by your state while you have an SR-22. If there is a lapse or cancellation in your insurance coverage, the same penalties may apply. Plus, driving without insurance can lead to further legal issues. See all of Root’s coverage options.
SR-22 insurance requirements by state
Each state has its own SR-22 and car insurance rules. Click on your state below to learn more. Don’t see your state listed here? Root is not available in all states yet, but we’re working on bringing fair car insurance to everyone in the US.
Need an SR-22?
Root customers can easily get an SR-22 through the app. Though it may take a couple weeks for the state to receive the paperwork, your SR-22 begins on your policy start date, or the day an SR-22 driver is added to your policy.
Here’s how to request your SR-22 in the app:
Tap Auto Policy
Select Document requests
Not a Root customer?
Since we base rates primarily on how you drive instead of demographics, good drivers can save hundreds on their auto insurance. That means you could get cheaper car insurance with Root even with an SR-22.