SR-22 Filings for RI Licensed Drivers:
What is an “SR-22”?
An “SR-22” or ‘financial responsibility filing” is a form which must be filed by an insurance company stating that auto liability insurance is in effect for a particular individual. It is required when an individual who was in an accident or was convicted of a traffic offense could not prove he had active car insurance. The SR-22 is NOT car insurance, rather it is an addition to a car insurance policy. It is not possible to purchase an SR-22 without auto liability insurance.
How long do I need to carry the SR-22 filing?
In RI, you must carry the SR-22 for either one or three years, depending on the offense. The filing must be obtained before the RI DMV will reinstate your driving privileges.
Do I need a vehicle to obtain an SR-22?
No. The SR-22 can be attached to a “non-owner” auto liability policy. If a vehicle is obtained at a later time, the car can be added to the “non-owner” policy but an updated “owner” SR-22 must be filed with the RI DMV before the vehicle can be registered.
How much does an SR-22 cost?
The cost for the filing itself and the underlying auto liability policy varies based on a variety of factors. The only way to get an accurate rate is by requesting a personalized quote. Our agency represents several carriers that will write both “non-owner” and “owner” SR-22’s and we will compare rates to find you the best deal. Contact us today!