How It Works
Tell us your state and DUI specifics — first or repeat offense, vehicle ownership status, and whether IID is required.
Get matched with SR-22 carriers (or FR-44 in FL and VA) who file for your state hardship, occupational, or restricted license type.
Your carrier files SR-22 or FR-44 directly with your state DMV — start driving to work and court-mandated appointments under your hardship license.
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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 your insurer files with the state proving you carry minimum liability coverage. Most states require SR-22 filing for 3 years after a DUI conviction.
FR-44 Insurance
Florida and Virginia require FR-44 filing instead of SR-22 for DUI offenses. FR-44 mandates higher liability limits than standard SR-22 and typically costs more.
Non-Owner SR-22
If you don't own a vehicle after a DUI, non-owner SR-22 insurance provides liability coverage when you drive borrowed or rental cars. Most states accept this filing to meet hardship license requirements.
Hardship License Insurance
Hardship or occupational licenses let you drive to work, school, medical appointments, and court-ordered programs during suspension. You must maintain continuous SR-22 or FR-44 coverage to keep the permit active.
Ignition Interlock Insurance
Many states require ignition interlock devices on vehicles for DUI hardship licenses. Your insurer must be notified of the device, and some require endorsements on your policy.
Non-Standard Auto Insurance
Non-standard carriers specialize in high-risk drivers with DUI convictions, suspended licenses, or lapsed coverage. Rates are higher, but these insurers file SR-22 and FR-44 certificates immediately.