How It Works
Tell us your state and the type of restricted license you need (hardship, work, occupational, or restricted)
Get matched with SR-22 carriers who handle restricted-license endorsement and employer documentation
Choose your coverage and your insurer files SR-22 directly with your state DMV — get back to driving to work
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Frequently Asked Questions
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
SR-22 Insurance
SR-22 is a certificate of financial responsibility your insurer files with your state DMV, required after license suspension or certain violations. Most states require it for 3 years, and any lapse triggers immediate license re-suspension.
Hardship License Insurance
Hardship licenses allow driving to work, school, or medical appointments during suspension periods in states that use this terminology. You need liability coverage at state minimums plus SR-22 filing before your DMV hearing in most jurisdictions.
Occupational License Insurance
Occupational licenses restrict driving to employment hours and approved routes, typically issued within 10 days of petition in states using this term. Insurance carriers must file SR-22 before the court will approve your application.
Non-Owner SR-22
Non-owner SR-22 covers drivers who don't own a vehicle but need proof of insurance to reinstate their license or maintain a restricted permit. Premiums average $25–$50 per month for state minimum liability limits.
Restricted License SR-22
Restricted licenses allow limited driving privileges during suspension, with terminology varying by state: work permit, conditional license, or occupational license. All require continuous SR-22 filing and immediate reinstatement if coverage lapses.
Work Permit SR-22
Work permits allow driving only to and from employment, often with specific hour restrictions enforced by court order. Most states processing work permits require SR-22 filing before issuing the permit, not after.