Get Back on the Road With the Right SR-22 Filing
Compare SR-22 insurance options across all 50 states, understand restricted license requirements, and find carriers that issue same-day filings.
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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
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 InsuranceSR-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 InsuranceHardship 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 InsuranceOccupational 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-22Non-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-22Restricted 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-22Work 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.Recent Articles
5/3/2026MI Restricted License: Single Parent Court OrdersMichigan judges reject 40% of restricted license petitions when employer affidavits lack shift-specific documentation—even for single parents with approved childcare trips.
5/3/2026Maine Conditional License for College Students Post-RecklessMaine BMV requires college students to prove enrollment separately from work verification. File with registrar letters and expect 10-15 day approval. Find coverage that meets your filing requirement.
5/3/2026Alaska Limited License After Reckless DrivingAlaska's limited license application requires notarized employer affidavits cross-checked monthly against state notary records. Most reckless driving applicants miss this requirement and lose 3+ weeks resubmitting.
Get Insured for the Drive to Work
Keep Driving to WorkFrequently Asked Questions
How fast can I get SR-22 insurance after a DUI?
Most carriers issue SR-22 certificates within 24 hours of policy purchase, with some offering same-day electronic filing to your state DMV. You need an active liability policy first—the SR-22 is a filing your insurer submits, not a separate insurance type.
Can I get a hardship license without owning a car?
Yes, through non-owner SR-22 insurance, which provides liability coverage when you drive vehicles you don't own. Most states accept non-owner policies for hardship license applications as long as the SR-22 filing is current and meets state minimum liability limits.
Do all states call it a hardship license?
No—the same restricted driving privilege has different names across states: hardship license, occupational license, restricted license, work permit, conditional license, or essential needs license. The function is identical—court-approved limited driving during suspension—but using your state's exact terminology matters when filing paperwork and speaking with DMV staff.
Can I drive outside work hours with an occupational license?
Only for purposes specifically approved in your court order, which typically include employment, medical appointments, court-ordered obligations, and sometimes education or childcare. Driving outside approved hours or routes violates your restricted license terms and can result in full license revocation, extended suspension periods, and criminal charges in most states.
Which insurance carriers accept high-risk drivers who need SR-22?
Progressive, The General, Bristol West, and non-standard carriers like Acceptance Insurance and Direct Auto commonly write policies for drivers with violations requiring SR-22. Standard carriers like State Farm and GEICO sometimes accept SR-22 filers with a single DUI but typically decline drivers with multiple violations or suspended licenses.