SR22 is not actually a type of insurance — it’s a Certificate of Financial Responsibility that your auto insurance company files with your state’s Department of Motor Vehicles or Department of Public Safety. The SR22 form certifies that you carry at least the state-required minimum liability coverage. You get SR22 insurance by purchasing a standard auto insurance policy with an SR22 filing endorsement added to it. If your policy lapses or is canceled, your insurer is required to notify the state immediately, which can lead to license suspension.
