Personal Auto
SR-22
Also known as: SR22 · financial responsibility filing · SR-22 certificate
A state-filed certificate of financial responsibility confirming that a driver carries the minimum required auto liability insurance.
An SR-22 is not insurance — it's a certificate your auto insurance carrier files with the state on your behalf, confirming you carry at least the minimum legally required liability coverage. Drivers are typically ordered to carry one by a court or DMV after a DUI, driving without insurance, reckless driving, or multiple moving violations. Illinois requires 3 years of continuous SR-22; Texas requires 2 years. If the underlying policy lapses, the carrier files an SR-26 and the state suspends the license.
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