SR-22 is a form required by the South Dakota Department of Motor Vehicles (DMV) issued by your insurer. It proves that the driver’s auto insurance policy is in force and meets South Dakota’s minimum requirements for liability coverage.  

Auto insurance rates may increase after serious traffic violations. The agents at Insurance Plus can help you get the best possible rate for an auto insurance policy that meets South Dakota’s requirements.  

How Long Will You Need to Have SR-22 Insurance?  
Although it’s often referred to as an insurance type, SR-22 is a form that some drivers must file with the state to prove that they have the minimum amount of required liability coverage. In many cases, filing SR-22 is a condition of getting a driver’s license reinstated or re-registering a vehicle in South Dakota after certain convictions or judgments.  

Depending on the reason for an SR-22 requirement, you may have to file SR-22 with the state for up to three years from the date you are first eligible for license reinstatement.  

Why Is an SR-22 Required? 
In South Dakota, you may be required to file SR-22 and your license may be suspended or revoked for a variety of reasons, including: 

• A driving while under the influence (DUI) conviction
• Second-offense reckless driving within one year
• Vehicular homicide
• Conviction for no insurance 

How Does an SR-22 Work? 
Contact your insurance agent immediately if you receive notice from the South Dakota DMV that you must file SR-22. Your insurer files SR-22 paperwork on your behalf. They can provide proof that your auto insurance policy meets South Dakota’s minimum required liability limits.  

If you don’t own a vehicle, you may be eligible to purchase a less-expensive non-owner liability auto insurance policy to help pay the potential costs of third-party injuries and property damage after an accident. Your insurer can file SR-22 with a non-owner liability insurance that meets South Dakota’s minimum liability requirements.  

Depending on your insurance company, you may be required to pay a small fee to file SR-22. Your agent can help you understand your insurance company’s requirements.  

How to Get Help Filing SR-22 
SR-22 requirements often come with higher insurance bills, so it’s important to get multiple quotes from reputable insurers to get the best possible rates. Contact Insurance Plus in Aberdeen, South Dakota, if you need to file SR-22 and are ready to shop around for auto insurance.