Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

Full Bio →

Written by

UPDATED: Oct 18, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

You can get an SR22 bond for car insurance through many car insurance companies. An SR22 bond is not required for most drivers, but is for those who have been caught driving with no car insurance and for those who have had been caught for driving under the influence. An SR22 is not an actual bond, and is also known as a bond of financial responsibility or SR22 insurance.

You can start your search for the best insurance rates by filling your ZIP in the FREE box!

For vehicle owners who have gotten into severe trouble while driving, an SR22 is usually required for a certain period of time. Fortunately, this bond can be acquired quickly and easily through their current car insurance providers, although it does come with a price.

What do you need to know about SR22 bonds?

An SR22 is not an actual bond, nor is it a particular type of car insurance. So you shouldn’t panic if you don’t see it listed on your auto insurance policy; it’s actually a good thing if it isn’t there. Because it’s actually a form that is named SR22. This form is what is used to let the insurance department in your state know that you have the appropriate insurance coverage to drive your vehicle.

An SR22 bond is only required for certain groups of drivers. If you are pulled over and it’s discovered that you don’t have car insurance, in most states you will need to obtain an SR22 to prove that you now have insurance. Without it, there is a chance that you will end up with a license suspension. An SR22 is also required for most drivers who have a DUI conviction on their driving record.

If you are required to have SR22 insurance, you will need to have your insurance company fill it out and send it to the appropriate place in your state. Without it, you will be considered to be driving illegally.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

What is the function of an SR22 bond?

One of the advantages of requiring certain drivers to carry SR22 insurance is that it helps aid in the  protection of other drivers. Getting in an accident with someone who does not carry insurance can be a huge problem. If a driver without insurance causes an accident and you’re involved, and if they do not have enough money to pay for the bodily and property damages, you will be responsible for the damage and any medical coverage necessary. Even if it’s their fault.

Fortunately, most states require all drivers to carry some kind of car insurance, but some fall through the cracks, and those can end up being the people who have a history of reckless driving. The best way to fully protect yourself against uninsured drivers is to purchase at least some form of minimum coverage, so that you’re not only safe, but also not traveling without proof of insurance.

Are there any state requirements for SR22 bonds?

Although many states have requirements in regards to obtaining SR22 insurance, not all states require it. If you live in Delaware, Oklahoma, New York, Pennsylvania, North Carolina, Kentucky, Minnesota, or New Mexico, you do not need to have an SR22 bond in order to drive. If you are unsure about your state requirements, go to the NAIC site for the National Association of Insurance Commissioners and click on your state. Don’t take that as a sign that you should rack up traffic violations though – you should still view a traffic offense as a detriment to your driving record.

Where are you able to get an SR22 bond?

If you just got a DUI, one of the best sources to get an SR22 bond is through your current insurance company. Many companies now are able to offer SR22s, so speak with your agent, and find out if he or she is able to file one for you. However, if you’re not with a current provider, make sure that you work with a licensed agent – they’re going to be able to better assist you.

If you have been caught without insurance and need an SR22, you will need to search for a company that offers them. You can do a quick online search, such as on this page.

Keep in mind that just because an insurance company offers SR22 bonds, that doesn’t mean that they will automatically insure you. The drivers who are required to have SR22 insurance are placed in the high-risk category. Some companies may choose not to insure you because they don’t want to take the risk. If they do insure you, you can expect to pay higher rates.

It’s nothing personal, but most providers tend to have financial responsibility requirements as well as looking at a driver’s history. Should you be guilty of negligent driving, and don’t have the finances to pay for even the cheapest protection offered, you won’t look like a customer businesses will want to be insuring.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How much does an SR22 bond cost?

If you need SR22 insurance, the cost of your insurance policy will be higher than without it. Car insurance for high-risk drivers, whether it is because of an SR22 or multiple accidents, is usually more expensive.

Your insurance will also be higher because it takes more effort and time to for your agent to file an SR22. You end up paying for this extra work. Sometimes there is even a filing fee associated with the bond. It’s usually a one-time fee, but it’s still there to cover the cost of all the extra work that needs to be done. The average driver doesn’t typically want to spend time and money on something like this, so it’s best to avoid the situation all together.

Is there a specific amount of time you need to carry an SR22 bond?

Carrying SR22 insurance is not a permanent thing for most drivers. The time period required varies from state to state. Some states require you to carry it for three years, while others may require seven years for more severe situations.

If this sounds like something you wish to avoid, making sure you have a standard policy that is up to date through a credible auto insurance company will save you from having to go through the process of getting an SR22 bond. There are so many ways that you can receive help in making confident insurance decisions, but you can always start by speaking with an agent or looking online for answers to any insurance questions you may have.

This way, you’ll not only maintain an excellent driving history, a valid license, and have affordable insurance, but you’ll also keep other drivers safe by being insured. That way, even if you happen to be at-fault for an auto accident, you’re still going to walk away knowing you did everything you could to protect yourself, your vehicle, and anyone else involved.

Begin to scour the internet for cheap car insurance rates by using the FREE box and entering your ZIP!