Guide

SR-22 and insurance after a DUI

Updated 2026-09-14 · Fact-checked educational article

Quick answer

What an SR-22 filing is, and why your premium can move for years.

A filing, not a policy

SR-22 is a certificate your insurer files with the state when required. Lapsing it can restart a suspension.

Shop with the conviction in view

Some carriers will not write the risk. Get the requirement in writing from the DMV or court so quotes match the filing.