Many states require high-risk drivers to obtain an SR-22 or similar form if convicted of certain traffic violations. Oklahoma is one of the few states that does not use these forms. However, even without an SR-22 requirement in Oklahoma, other consequences for serious traffic offenses can complicate your insurance situation. For instance, no matter your state, DUIs and other tickets associated with high-risk driving will generally raise your auto insurance rates and may lead to license suspension, fines or even jail time.
An SR-22 is a form of insurance verification that may be required for drivers in some states following specific types of traffic violations. DUIs and multiple speeding tickets are some of the more cited examples of behaviors that can lead to an SR-22 requirement. Some states use other, similar forms, like the FR-44 or the SR-21. While each of these forms has different nuances, they are all used to verify that high-risk drivers hold at least the state minimum required amount of auto insurance coverage.
What is “SR-22 insurance?”
SR-22 insurance is a verification form that provides proof of insurance to the state. SR-22s are not insurance policies; rather they are forms used to verify that a driver has insurance. These forms are issued by an insurer and show that the driver meets the state-required levels of auto insurance coverage for the given circumstances. SR-22s are typically requested by the Department of Motor Vehicles (DMV) following a qualifying incident.
To get an SR-22, you’ll need to contact your car insurance company and inform the agent that you need the form to be filed. You may have to answer a few questions and complete some paperwork, and a small fee will likely be charged for filing. Once filing is complete, the insurance company will provide you with your SR-22 or issue it directly to your DMV (in states that participate). Not all insurers will issue these forms and some may not renew coverage if the infraction is serious. In these cases, an SR-22 requirement may mean the driver has to shop for a new policy or insurer who will issue the required forms.
Depending on the state and the offenses, drivers may be required to get an SR-22 or another similar form. While these forms vary by exact requirements and qualifying circumstances by state, Oklahoma has different regulations for drivers convicted of serious traffic violations. Some SR-22 alternatives are specific to certain violations, like DUIs, while others require different levels of insurance coverage to satisfy the requirements for that state. The table below indicates various forms for drivers with serious infractions or who are involved in other incidents, and the associated required insurance minimums.
|Form||States issued||Required insurance minimums|
|SR-22||Most states (excluding Delaware, Kentucky, Maryland, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania)||State minimum|
|SR-19||California, Texas||Uninsured motorist coverage|
|SR-21||Florida, Hawaii||State minimum|
|SR-22A||Georgia, Texas, Missouri||State minimum or more, pre-paid|
|FR-44||Florida, Virginia||Higher than state minimum (up to double)|
- SR-19: This form is filed when you have an accident with an uninsured motorist and you have uninsured motorist insurance. It accompanies the claims process for uninsured motorists insurance in California.
- SR-21: This is a form that your provider files to verify that you meet insurance requirements for that state. It is generally required only after an auto accident or traffic violations. Like the SR-22, it shows the state DMV that you are carrying enough car insurance to meet the legal requirements for minimum coverage.
- SR-22A: This form is similar to the SR-22 except it involves paying for an extended length of insurance coverage in full. For example, paying for six months of auto coverage that meets the state requirements for minimum coverage.
- FR-44: The FR-44 is specifically for repeat offenders or especially high-risk drivers that need to carry higher levels of coverage than the state minimum. The form serves as a statement of verification that the driver is meeting these higher coverage requirements, which may be double the standard state minimum coverage amount.
- FR-19: This form is only used in Maryland and provides proof of insurance on a temporary basis; the form is only good for 30 days.
- SR-50: This form serves as proof of current insurance as opposed to proof of past insurance. Some forms verify that you were holding the required amount of coverage at a specific time (like when an accident occurred). In contrast, this form shows that you are currently insured for the necessary amount.
Drivers who do not own their own vehicle often use what is called non-owner car insurance. These policies are specially designed for this situation and follow the driver instead of the car. When a driver with this type of policy meets qualifying circumstances with an infraction, they may be required to obtain a non-owner SR-22, showing that they have enough non-owner auto insurance to meet the state requirement.
Insurance verification in Oklahoma
Oklahoma is one of the few states not to use this range of forms for car insurance requirements. Drivers are still required to carry the state minimum liability coverage and proof of insurance must be present within vehicles while driving. While you may not need SR-22 insurance forms in Oklahoma, it’s still illegal to drive without sufficient auto coverage.
SR-22 Oklahoma insurance costs
While Oklahoma does not require drivers to file an SR-22 in conjunction with certain traffic violations, it is still illegal to drive without insurance, and other infractions can incur severe fines. For example, first-time DUI convictions may result in incarceration time of up to 12 months and a fine of up to $1,000. In addition, first-time violators may have their license revoked for up to 180 days, which incurs an additional reinstatement fee.
In addition to the fees or fines associated with this type of infraction, some insurers will not provide coverage for drivers deemed high-risk. This can complicate your ability to renew your policy, and even if your insurer will still cover you, rates will likely increase. Most insurance companies will surcharge your policy for these infractions for three to five years.
Dangerous driving habits are not taken lightly by insurers or the DMV, so the costs can extend well beyond a filing fee for the form required in your state.
Frequently asked questions
How long do I need an SR-22 in Oklahoma?
SR-22 forms are not required in Oklahoma. However, the states that do use these forms typically require drivers to maintain the SR-22 for three years. This can vary by state and specific type of form.
How to get an SR-22 in Oklahoma?
You cannot get an SR-22 in Oklahoma as the state does not support the use of these forms. Obtaining an SR-22 in the states that do require one involves contacting your insurer (or another insurer, if your carrier cannot file the form). Depending on the circumstances and which type of form you are required to provide, adjustments to your coverage limits may be necessary, or you may even need to switch insurers to find coverage.
How much does SR-22 insurance cost in Oklahoma?
Because Oklahoma does not use SR-22 forms, there is no charge. In states that use the SR-22, the direct costs are generally constrained to a filing fee. This is mainly because the SR-22 is not insurance, but merely a form verifying the driver’s insurance. However, the true costs associated with an SR-22 insurance requirement are based on the fines, fees and insurance rates associated with risky or unsafe driving behavior. While the SR-22 itself may not cost much, your driving record could mean you pay higher rates for coverage.
Why would I need an SR-22?
Certain traffic violations or repeated traffic offenses can mean that your insurance company views you as a high-risk driver. In these situations, the state may require additional proof of insurance, which can result in higher associated insurance requirements. A qualifying incident or infraction is typically when an SR-22 or similar form may be issued.
What happens if I don’t maintain my SR-22?
Your insurer is required to notify the DMV if you fail to maintain your SR-22 when required. Penalties for not maintaining an SR-22 when required can include fines and other consequences that can have a significant financial impact. This can include license suspension, fines or even jail time, in some situations.