California may require you to have an SR-22 to keep or reinstate your driving privileges after a serious offense. With an SR-22, your insurer informs the Department of Motor Vehicles that you’ve purchased at least the minimum required liability insurance in California by filing a certificate with the department.

Is an SR-22 bad?

Now, for the bad news. The fact that you had to file the SR-22 means you’re more than likely going to be considered a high risk driver by any and all insurance carriers due to your infraction and, as a high risk driver, you’re looking at significantly higher car insurance rates.

What do you need to know about a SR-22?

An SR-22 is a form that’s filed with your state to prove that you have car insurance meeting the minimum coverages required by law. Also known as a “Certificate of Financial Responsibility,” “SR-22 Bond,” or “SR-22 Form,” an SR-22 isn’t a type of insurance but rather an easy-to-get document from your state’s department of motor vehicles.

What does a certificate of insurance SR-22 mean?

Notes The term “certificate of insurance” has other meanings outside of vehicle insurance. Some states may use different forms in place of, or in addition to, the SR-22 to provide certificates of vehicle liability insurance or proof of financial responsibility.

What’s the difference between SR-22 and fr-44?

An SR-22 may also be referred to as a certificate of financial responsibility, or, in Virginia and Florida, an FR-44. People may mistakenly refer to it as “SR-22 insurance.” An SR-22 is not insurance ─ it’s simply a document provided by your insurance company that proves you have liability coverage on your car insurance policy.

Where do I get my SR-22 form from progressive?

Progressive can provide an SR-22 quickly and easily, regardless of the reason. Immediately upon the purchase of your policy, in most states, we’ll electronically file your SR-22 form with the department of motor vehicles in the requested state. In certain states, we’ll be required to file by mail.