I am often asked the question,
"What is SR-22 Insurance?"
SR-22 insurance policy is a note held on file by the DPS. It is an extra charge you pay for your insurance carrier to communicate directly with DPS. DPS will hold your proof of insurance in their system, and whenever there is a lapse of insurance your carrier will contact DPS, possibly resulting in another suspended license.
When is SR-22 required?
SR-22 Insurance is usually required after a DWI conviction for a set amount of time, and it usually runs approximately $25-$50 per month on top of your normal rate. SR-22 insurance is also often needed if you obtain an occupational drivers’ license as a result of a suspension (Either ALR or conviction suspension). Depending on the court and the judge, you may have to obtain SR-22 insurance even before you request an occupational drivers license. SR-22 does not mean full coverage or necessarily expensive as some people believe, you may still purchase your state’s minimum liability automobile insurance coverage, just with a SR-22 policy added.