SR-22 filings, usually within 24 hours. Back on the road sooner.
An SR-22 is not a separate insurance policy. It is a filing that proves to the Washington Department of Licensing that you carry liability insurance. We find a carrier that will write you, file the SR-22, usually within 24 hours of your policy starting, and help you keep it active.
- Filed with the DOL, usually within 24 hours
- Owner, non-owner and broadform policies
- Carriers that accept high-risk drivers
What SR-22 covers, in plain English
Coverage, limits and exclusions vary by carrier and policy. Your policy documents are what decide a claim, and we walk you through them before you buy.
A filing, not a policy
An SR-22 is a certificate of financial responsibility. Your insurer files it with the DOL to prove you carry at least the required liability coverage. You buy an auto policy, and the insurer attaches the SR-22 to it.
After a serious violation
Washington usually requires one after a DUI, driving uninsured, certain at-fault accidents, or to reinstate a suspended license. Your DOL letter tells you if you need it.
Usually three years
Most drivers keep the SR-22 for three years. Your DOL letter has your exact period. If the policy cancels, the insurer tells the DOL and your license can be suspended again.
Non-owner or broadform SR-22
If you don't own a car, a non-owner or broadform policy insures you as the driver and can carry the SR-22. These are often less expensive than an owner policy.
Is this you?
- DUI or DWI
- Driving without insurance
- Multiple at-fault accidents
- License suspension or reinstatement
- Drivers without a car (non-owner / broadform)
Why Rhino
- Filed with the DOL, usually within 24 hours
- Owner, non-owner and broadform policies
- Carriers that accept high-risk drivers
- Reminders to help keep your filing active
Have this ready
- Your driver's license number
- The DOL letter or case number, if you have it
- Vehicle details, or tell us you don't own a car
- Dates of the violations on your record
Three steps, one agent
- 1
Tell us your situation
Two minutes online, or call or text. We don't judge.
- 2
We find who will write you
We shop carriers that accept high-risk drivers and show you the options.
- 3
We file with the DOL
Usually within 24 hours of your policy starting, and we remind you before payments are due.
SR-22 questions
Is an SR-22 a type of insurance?
No. It is a filing your insurer makes with the DOL to prove you carry liability insurance. You still need an auto policy, and the SR-22 is attached to it.
How fast can you file my SR-22?
Usually within 24 hours once your policy is bound and the first payment is made. The DOL then updates your record, which can take a few days.
I don't own a car. What do I need?
A non-owner or broadform policy. It insures you as the driver and can carry the SR-22. Read our non-owner SR-22 guide.
Will an SR-22 raise my rates?
The filing fee is small. What raises the price is the violation behind it. We shop carriers that write high-risk drivers to find you options.
What happens if my policy lapses?
Your insurer must tell the DOL, and your license can be suspended again. Call us before a payment is missed so we can help.
What happens if I move out of Washington?
You usually still have to keep the Washington filing until the requirement ends. Call us before you move. After a DUI, see our license reinstatement guide.
Ready when you are.
Talk to a licensed agent at (800) 700-9181, Mon–Fri 9am–6pm PT.