You might not find an insurance company that would give you an SR22 if you drive this fine Boss 429.

SR22 insurance is insurance for high risk drivers that have typically been convicted of any number of serious driving offenses such as DUI and reckless driving. In many cases the state will require an SR22 certification from an insurer before reissuing a driver’s license after it has been suspended or revoked for one of theses offenses.

SR22 is actually a certificate the insurance company issues. It certifies the company will report to the state DMV should the insurance policy ever lapse or be cancelled. In most cases the DMV will not issue a driver’s or vehicle license unless they have the SR22.

The most common reason for the state requiring an SR22 filing is driving under the influence (DUI) or driving while intoxicated (DWI). These are basically the same offense as defined by the your state of residence. Reckless driving also commonly triggers the requirement. You can also be required to file an SR22 for less serious moving violations, such as driving without insurance, speeding, negligent driving, and failure to yield if you have too many per year and show a habitual offense pattern.

Another common trigger for the SR22 requirement is uninsured accidents. 48 of the 50 states require liability insurance to protect other motorists. The two that do not, as yet, have a mandatory insurance requirement are New Hampshire and Wisconsin. They do require that you prove financial responsibility however. Most drivers that do not have insurance can not prove financial responsibility either. Your state may require proof of insurance for vehicle registration, while others require it only at the time of a traffic stop.

Not all insurance companies write SR22 policies. This may require you change insurers if your state is requiring you to have SR22 insurance. In all cases this insurance is expensive, due to the increased risk presented by such drivers.

That is the definition of SR22 insurance. If you do need it, make sure you check around as some agencies charge less for it than others, and some actually specialize in it. As with all auto insurance, you should get multiple quotes to make sure you are getting the lowest rate.