An SR-22 is a certificate of financial responsibility that your insurance company files with the state to verify you carry at least minimum liability coverage. It is not a type of insurance — it is a proof document. You typically need an SR-22 after being caught driving without insurance, after a DUI/DWI conviction, or after causing an accident while uninsured.
Most states in the Southeast require SR-22 filings for 1-3 years. Mississippi, Louisiana, and Tennessee require 3 years. Alabama requires 1 year. SR-22 filings increase premiums by 20-60%. Bridgeway Insurance Agency works with carriers that offer SR-22 certificates across all states we serve.
