🚘 SR-22 Insurance FAQ | Foxx Insurance Group
❓ What is SR-22 insurance?
SR-22 insurance isn’t a type of insurance. It’s a certificate your insurance company files with the state to prove you carry the minimum required liability coverage after a driving offense.
❓ Who needs an SR-22?
You may need an SR-22 if you've been:
- Caught driving without insurance
- Convicted of DUI/DWI
- Cited for reckless driving
- Involved in multiple traffic violations
- Driving with a suspended or revoked license
❓ How long do I need to carry an SR-22?
Most states require you to carry SR-22 coverage for 3 years, but it varies. For example:
- Illinois & Texas: 2–3 years
- California & Nevada: Typically 3 years
- Virginia: Often 3 years for FR-44 or SR-22
- South Carolina: 3 years
❓ How much does SR-22 insurance cost?
The SR-22 form itself usually costs $15–$50, but your insurance premium may increase depending on your driving history. Foxx Insurance helps find the cheapest policy available that meets your state’s requirements.
❓ Can I get SR-22 insurance without a car?
Yes. That’s called a non-owner SR-22 policy. It covers you when driving a vehicle you don’t own. This is ideal if:
- Your license is suspended
- You need to reinstate driving privileges
- You don’t currently own a vehicle
❓ How do I file an SR-22?
- Contact Foxx Insurance
- We find the best company and policy for your state
- We file the SR-22 electronically with the DMV
- You get proof instantly
We file same-day in most cases. Call us at 877-409-1063 to start.
❓ What states do you serve?
We help drivers in:
- Illinois
- Missouri
- Texas
- California
- Arizona
- Nevada
- Virginia
- South Carolina
Each state has unique SR-22 requirements. We guide you step-by-step.
❓ How fast can I get SR-22 insurance?
Same day in most cases. Once you call us or get a quote online, we can have your SR-22 filed within minutes.
❓ What happens if I cancel my SR-22 policy early?
Your insurer will notify the state with an SR-22 cancellation, which may lead to:
- Suspension of your license
- Restarting your SR-22 period
- Additional fines or penalties
Never cancel without confirming with your agent.
❓ Can I switch insurance providers while I have an SR-22?
Yes—but your new provider must file a new SR-22 before your old policy ends. Foxx Insurance can help you switch without a lapse in coverage.