--- title: Understanding SR22 description: Learn about SR-22- Why you might need an SR-22, how long you may have to carry it, the process of obtaining an SR-22 and tips to avoid needing one. image: https://education.veritasrm.com/hubfs/SR-22%20Blog%201.jpg --- [Skip to the main content.](https://education.veritasrm.com/understanding-sr-22-insurance#main-content) [![Veritas Insurance](https://education.veritasrm.com/hs-fs/hubfs/Screenshot_2022-07-27_161347-removebg-preview.png?width=679&height=124&name=Screenshot_2022-07-27_161347-removebg-preview.png "Veritas Insurance")](https://veritasrm.com/) [![Veritas Insurance](https://education.veritasrm.com/hs-fs/hubfs/veritasrm-1.png?width=1000&height=145&name=veritasrm-1.png "Veritas Insurance")](https://veritasrm.com/) - Get Insurance - [Business Insurance](https://veritasrm.com/insure-your-business/) - [Types of Coverage](https://veritasrm.com/insure-your-business/business-insurance/) - [Personal Insurance](https://veritasrm.com/personal/) - About Us - [Companies We Represent](https://veritasrm.com/companies-we-represent/) - [Contact Us](https://veritasrm.com/contact-us/) - [Meet Our Team](https://veritasrm.com/meet-our-team/) - [Andrew Darlington](https://veritasrm.com/andrew-darlington/) - [Tammy Collins](https://veritasrm.com/tammy-collins/) - [Regina Davis](https://veritasrm.com/regina-davis/) - [Jennifer Plaisted](https://veritasrm.com/jennifer-plaisted/) - [Tony Dale](https://veritasrm.com/tony-dale/) - [Jonathan Lugo](https://veritasrm.com/jonathan-lugo/) - [Laryn Hurley](https://veritasrm.com/laryn-hurley/) - [Sheri Taylor](https://veritasrm.com/sheri-taylor/) - [Lynn Hodge](https://veritasrm.com/lynn-hodge/) - [Heather Trent](https://veritasrm.com/heather-trent/) - [Andy Warner](https://veritasrm.com/andy-warner/) - [Sarrah Rossi](https://veritasrm.com/sarrah-rossi/) - [Refer Us and Win](https://veritasrm.com/refer-us-and-win/) - [Blog](https://education.veritasrm.com) Search *Search* Toggle Menu Search *Search* Toggle Menu - Get Insurance *Toggle Menu* - [Business Insurance *Toggle Menu*](https://veritasrm.com/insure-your-business/) - [Types of Coverage](https://veritasrm.com/insure-your-business/business-insurance/) - [Personal Insurance](https://veritasrm.com/personal/) - About Us *Toggle Menu* - [Companies We Represent](https://veritasrm.com/companies-we-represent/) - [Contact Us](https://veritasrm.com/contact-us/) - [Meet Our Team *Toggle Menu*](https://veritasrm.com/meet-our-team/) - [Andrew Darlington](https://veritasrm.com/andrew-darlington/) - [Tammy Collins](https://veritasrm.com/tammy-collins/) - [Regina Davis](https://veritasrm.com/regina-davis/) - [Jennifer Plaisted](https://veritasrm.com/jennifer-plaisted/) - [Tony Dale](https://veritasrm.com/tony-dale/) - [Jonathan Lugo](https://veritasrm.com/jonathan-lugo/) - [Laryn Hurley](https://veritasrm.com/laryn-hurley/) - [Sheri Taylor](https://veritasrm.com/sheri-taylor/) - [Lynn Hodge](https://veritasrm.com/lynn-hodge/) - [Heather Trent](https://veritasrm.com/heather-trent/) - [Andy Warner](https://veritasrm.com/andy-warner/) - [Sarrah Rossi](https://veritasrm.com/sarrah-rossi/) - [Refer Us and Win](https://veritasrm.com/refer-us-and-win/) - [Blog](https://education.veritasrm.com) [*Facebook*](https://education.veritasrm.com/understanding-sr-22-insurance#0) [*Instagram*](https://education.veritasrm.com/understanding-sr-22-insurance#0) [*LinkedIn*](https://education.veritasrm.com/understanding-sr-22-insurance#0) [*Twitter*](https://education.veritasrm.com/understanding-sr-22-insurance#0) [*Youtube*](https://education.veritasrm.com/understanding-sr-22-insurance#0) [*Medium*](https://education.veritasrm.com/understanding-sr-22-insurance#0) 2 min read # Understanding SR22 [![Picture of Andy Warner](https://app.hubspot.com/settings/avatar/3af3577866947bb70c10c5ca48d105ed) Andy Warner](https://education.veritasrm.com/author/andy-warner) : October 2, 2023 at 7:57 PM [Auto Insurance](https://education.veritasrm.com/tag/auto-insurance) [SR 22](https://education.veritasrm.com/tag/sr-22) ![Understanding SR22](https://education.veritasrm.com/hubfs/SR-22%20Blog%201.jpg) ### Click Below and Listen To "Understanding SR22" ###### GIVE YOUR FRIENDS THE GIFT OF A GREAT SOCIAL POST! IT'S FREE TO YOU AND PRICELESS TO THEM!   Have you ever heard someone mention SR-22 and wondered what it is? Well, you're not alone! In this blog post, we're going to dive into the world of SR-22s and break down what they are and why they matter. Let's get started! ## What is an SR-22? An SR-22 is like a special certificate that proves you have car insurance. It's not something you get by choice, though; it's usually required by the government when you've had some issues while driving. It's kind of like a second chance to show that you're a responsible driver. ## Why Do You Need an SR-22? There are a few situations that might lead to [needing an SR-22](https://education.veritasrm.com/why-is-sr22-required-in-tennessee): 1. ### **Driving Without Insurance:** If you get caught driving without car insurance, you might have to get an SR-22. 2. ### **Accidents Without Insurance:** If you're in a car accident, and you didn't have insurance at the time, you might need an SR-22. 3. ### **Serious Traffic Offenses:** Sometimes, if you've committed severe traffic violations, like reckless driving or DUI, the [authorities might require](https://www.tn.gov/safety/driver-services/reinstatements/fraffidavitssr22.html) you to get an SR-22. ## How Does It Work? Getting an SR-22 means reaching out to your car insurance company. They will then file the SR-22 certificate with the state's Department of Motor Vehicles (DMV) on your behalf. This certificate is like a promise that you're now insured and will follow the rules. ## How Long Do You Need an SR-22? The duration for which you must carry an SR-22 can vary depending on your situation and the state you live in. Typically, it lasts for about three years, but it could be more or less depending on your circumstances. What You Should Know: 1. ### **Cost of SR22:** Having an SR-22 might make your car insurance more expensive because insurance companies see you as a higher risk.  Generally the actual filing costs less than $50 every six months. 2. ### **Drive Safely:** To avoid needing an SR-22 in the first place, always drive responsibly, follow traffic rules, and have proper insurance. So, there you have it! An SR-22 is a special certificate that proves you have car insurance and are taking steps to be a responsible driver. It's not something you'd want to deal with, but if you ever find yourself in a situation where you need one, remember to drive safely and follow the rules to get back on track. ## How do I get an SR22? That is a great question and that is why you need to check out our blog on that subject [right here](https://education.veritasrm.com/sr22). We have office in [Johnson City, TN](https://www.google.com/maps/dir//veritas+risk+management/data=!4m6!4m5!1m1!4e2!1m2!1m1!1s0x885a881f771d2425:0xf3c063745e16f772?sa=X&ved=2ahUKEwjKpZeb9baBAxW4KlkFHYFWBv8Q9Rd6BAg1EAA&ved=2ahUKEwjKpZeb9baBAxW4KlkFHYFWBv8Q9Rd6BAg8EAU) in the Boones Creek area at [4451 North Roan Street, Johnson City, TN 37615](https://www.google.com/maps/dir//veritas+risk+management/data=!4m6!4m5!1m1!4e2!1m2!1m1!1s0x885a881f771d2425:0xf3c063745e16f772?sa=X&ved=2ahUKEwjKpZeb9baBAxW4KlkFHYFWBv8Q9Rd6BAg1EAA&ved=2ahUKEwjKpZeb9baBAxW4KlkFHYFWBv8Q9Rd6BAg8EAU).  We are next to [Dave’s Waves](https://www.daves-waves.com/) and across the street from[ Ingles](https://www.ingles-markets.com/storelocate/storeinfo.php?storenum=372).  We also have an office in [Kingsport, TN](https://www.google.com/maps/place/419+E+Market+St,+Kingsport,+TN+37660/@36.5442979,-82.5596408,17z/data=!3m1!4b1!4m5!3m4!1s0x885a8d53f674972f:0x8cef5ad02f1eab0f!8m2!3d36.5442979!4d-82.5574521) in the downtown area at [419 East Market Street, Kingsport, TN 37660](https://www.google.com/maps/place/419+E+Market+St,+Kingsport,+TN+37660/@36.5442979,-82.5596408,17z/data=!3m1!4b1!4m5!3m4!1s0x885a8d53f674972f:0x8cef5ad02f1eab0f!8m2!3d36.5442979!4d-82.5574521).  You can call our Johnson City office at [(423)292-4142](tel:423292-4142) or our [Kingsport office](https://veritasrm.com/kingsport/) at [(423) 328-8434](tel:4233288434).   [![Contact Us](https://no-cache.hubspot.com/cta/default/22310069/78e0e9c4-732b-421c-b3e8-1fdcac33446a.png)](https://cta-redirect.hubspot.com/cta/redirect/22310069/78e0e9c4-732b-421c-b3e8-1fdcac33446a) Veritas Risk Management, Inc. offers proactive risk management services covering a wide variety of topics. Veritas Risk Management, Inc. does not engage in the practice of law, accounting, or tax consulting.  We encourage everyone to consult with his or her own professional advisor for details concerning his or her specific facts, situations, and circumstances. - [Tweet](https://twitter.com/share) [![Why IS SR-22 Required?](https://education.veritasrm.com/hubfs/WHY%20SR22%20IS%20NEEDED.jpg)](https://education.veritasrm.com/why-is-sr22-needed) #### [Why IS SR-22 Required?](https://education.veritasrm.com/why-is-sr22-needed) ![Picture of Andy Warner](https://app.hubspot.com/settings/avatar/3af3577866947bb70c10c5ca48d105ed) [Andy Warner](https://education.veritasrm.com/author/andy-warner) : October 5, 2023 at 7:30 AM [Auto Insurance](https://education.veritasrm.com/tag/auto-insurance) [SR 22](https://education.veritasrm.com/tag/sr-22) [Read More](https://education.veritasrm.com/why-is-sr22-needed) [![Tennessee SR22 Insurance: Essential Information Explained](https://education.veritasrm.com/hubfs/SR22/4.jpg)](https://education.veritasrm.com/sr22-insurance-tennessee) 5 min read #### [Tennessee SR22 Insurance: Essential Information Explained](https://education.veritasrm.com/sr22-insurance-tennessee) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington) : September 27, 2023 at 9:36 PM Tennessee SR22 Insurance: Everything You Need To Know If you're required to carry an SR22 in Tennessee, it's important to understand what it is and... [Auto Insurance](https://education.veritasrm.com/tag/auto-insurance) [SR 22](https://education.veritasrm.com/tag/sr-22) [Read More](https://education.veritasrm.com/sr22-insurance-tennessee) [![Navigating Medicare Changes in 2023: A Guide for Working Seniors](https://education.veritasrm.com/hubfs/chub_backup/Medicare%20Insurance%20Johnson%20City.jpg)](https://education.veritasrm.com/navigating-medicare-changes-in-2023-a-guide-for-working-seniors) #### [Navigating Medicare Changes in 2023: A Guide for Working Seniors](https://education.veritasrm.com/navigating-medicare-changes-in-2023-a-guide-for-working-seniors) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington) : September 19, 2023 at 5:22 PM [Medicare](https://education.veritasrm.com/tag/medicare) [Health Insurance](https://education.veritasrm.com/tag/health-insurance) [Read More](https://education.veritasrm.com/navigating-medicare-changes-in-2023-a-guide-for-working-seniors) ##### Site Navigation Site Navigation - [Home](https://veritasrm.com) - [Personal](https://veritasrm.com/personal/) - [Business](https://veritasrm.com/insure-your-business/business-insurance/) - [About us](https://veritasrm.com/meet-our-team/) - [Contact us](https://veritasrm.com/contact-us/) - [Blog](https://veritasrm.com/blog/) - [Service Center](https://veritasrm.com/service-center/) ##### Contact Contact - [4451 North Roan Street Suite #201](https://www.google.com/maps/place/Veritas+Risk+Management+and+Insurance+Services/@36.3843639,-82.4100702,15z/data=!4m14!1m7!3m6!1s0x885a881f771d2425:0xf3c063745e16f772!2sVeritas+Risk+Management+and+Insurance+Services!8m2!3d36.3842735!4d-82.4097824!16s%2Fg%2F1thd7db4!3m5!1s0x885a881f771d2425:0xf3c063745e16f772!8m2!3d36.3842735!4d-82.4097824!16s%2Fg%2F1thd7db4) - [Johnson City, TN 37615](https://www.google.com/maps/place/4451+N+Roan+St+%23201,+Johnson+City,+TN+37615/@36.38462,-82.4098307,17z/data=!3m1!4b1!4m6!3m5!1s0x885a8815fdb65d9d:0xf09c719d3519939!8m2!3d36.38462!4d-82.4098307!16s%2Fg%2F11n_yvqhzc) - [(423) 292-4142](tel:423-292-4142) - [help@VeritasRM.com](mailto:help@VeritasRM.com) - [Monday - Friday 8:30a - 5:00p](https://Veritasrm.com) - [Career Opportunities](https://veritasrm.com/career-opportunities/) [![Screenshot\_2022-07-27\_161347-removebg-preview](https://education.veritasrm.com/hubfs/Screenshot_2022-07-27_161347-removebg-preview.png)](https://veritasrm.com/) © 2026 All Rights Reserved ©2022 Veritas Risk Management & Insurance Services [*Facebook*](https://www.facebook.com/veritasrm/)[*Twitter*](https://twitter.com/veritas_ins)[*Instagram*](https://www.instagram.com/veritasriskmanagement/?hl=en)[*LinkedIn*](https://www.linkedin.com/company/veritasrm)[*YouTube*](https://www.youtube.com/c/VeritasRiskManagementIncJohnsonCity) *Return to Top* ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Andy Warner", "url" : "https://education.veritasrm.com/author/andy-warner" }, "dateModified" : "2023-10-11T19:44:32.430Z", "datePublished" : "2023-10-02T23:57:00.000Z", "headline" : "Understanding SR22", "image" : [ "https://education.veritasrm.com/hubfs/SR-22%20Blog%201.jpg" ], "mainEntityOfPage" : { "@id" : "https://education.veritasrm.com/understanding-sr-22-insurance", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://education.veritasrm.com/hubfs/LOGO.png" }, "name" : "Veritas Risk Management, Inc." } } ```