What is an SR-22/FR-44?
An SR-22 and an FR-44 are both Certificate of Financial Responsibility (CFR) forms.* A CFR is a certificate mandated by the state and provided by your auto insurance company that verifies that you have auto insurance liability coverage.
Do I need an SR-22/FR-44?
Regulations vary from state to state. Not everyone needs an SR-22/FR-44. Usually, it is required by the court or mandated by the state only for certain driving-related violations. Examples include: DUI convictions, reckless driving, accidents caused by uninsured drivers. If you need an SR-22/FR-44, the courts or your state Motor Vehicle Department will notify you.
How do I obtain an SR-22/FR-44?
If you are not currently insured with GEICO, you'll need to start by obtaining a free online rate quote. After receiving the quote, continue on to buy a policy and be sure to answer "Yes" to the question "Need a Certificate of Responsibility or SR-22?". After you complete your purchase we will begin the process of filing the certificate on your behalf. If we need any additional information in order to complete the request, we will contact you.
If you prefer to speak to one of our insurance counselors to get a free GEICO quote and buy a policy, please call 1-800-861-8380 24 hours a day, 7 days a week.
If you are currently insured with GEICO and need an SR-22/FR-44, please contact our Customer Service Department at 1-877-206-0215 for further assistance. One of our professional insurance counselors will be happy to review the coverages on your policy and begin the process to file the certificate with the proper state authorities on your behalf. We'll make it a hassle-free process for you.
Is there a fee associated with an SR-22/FR-44?
In most states there is a fee to file the SR-22/FR-44. The filing fee is usually $25 but may be higher in some states and in certain cases.
The filing fee is a one time charge that you will need to pay when we file the SR-22/FR-44. You will not have to continue to pay the filing fee at each renewal. The only time you will have to pay more than a one-time fee is if you allow your policy to lapse and we have to re-file the SR-22/FR-44 for you.
A filing fee is charged for each individual SR-22/FR-44 we file. For example, if your spouse is on your policy and both you and your spouse need an SR-22/FR-44, then the filing fee will be charged twice.
Please note: Because the filing fee differs by state and other factors, the fee is not included in the rate quote provided to you by our online system. The fee amount will be provided to you at the time of purchase if you have indicated that you need a Certificate of Responsibility.
How long is the SR-22/FR-44 valid?
As long as your insurance policy remains active, your SR-22/FR-44 should remain valid. If, at any point, your insurance policy is canceled while you're still required to carry an SR-22/FR-44, we are required to notify the proper state authorities. Failure to maintain continuous coverage could cause you to lose your driving privileges.
*Depending on your state of residence, the Certificate of Financial Responsibility form is referred to as either an SR-22 or an FR-44.