# What is sr-22 insurance?

> An SR-22 is a form an insurer files with a state to confirm that a driver has required liability coverage. It is not a separate type of insurance.

Glossary date: May 25, 2026.

## How it works

A court or motor vehicle agency may require the filing after certain violations or licensing actions. Requirements and filing periods vary by state.

## Example

A driver needs an SR-22 to reinstate driving privileges. The insurer adds the filing to a qualifying auto policy and reports required status changes.

## Why it matters

A cancellation or lapse can trigger notice to the state and further licensing consequences.

## What to check on your policy

Confirm the required limits, filing state, duration, named person, covered vehicles, and what happens if the policy ends.

Coverage, definitions, limits, and legal requirements vary by policy and state. Your declarations page and policy forms control your coverage.

## Related terms

- [Proof of insurance](https://locations.goautoinsurance.com/car-insurance-glossary/proof-of-insurance.md)
- [State minimum coverage](https://locations.goautoinsurance.com/car-insurance-glossary/state-minimum-coverage.md)
- [Insurance lapse](https://locations.goautoinsurance.com/car-insurance-glossary/insurance-lapse.md)

- [Car insurance guide](https://locations.goautoinsurance.com/car-insurance-guide.md)
- [Complete glossary](https://locations.goautoinsurance.com/car-insurance-glossary.md)