What is an SR-21?

It is possible that you are referring to an SR-22, It is important to note that there is no such thing as an SR-21 form. However, there is a form called an SR-22, which is a document that certifies that a driver has auto insurance coverage. Here are five key points to keep in mind:

1. Purpose: An SR-22 is typically required for drivers who have been convicted of a serious driving offense, such as DUI or reckless driving. It is a form that proves to the state that the driver has obtained the minimum required insurance coverage.
2. Filing: The SR-22 form is filed by the driver's insurance company with the state's department of motor vehicles. Once filed, the driver is considered to have met the state's insurance requirements.
3. Cost: Obtaining an SR-22 typically comes with additional costs, as insurance companies may charge a fee for filing the form. The cost of the insurance policy itself may also increase, as drivers who require an SR-22 are often considered high-risk and therefore more expensive to insure.
4. Duration: The length of time that an SR-22 is required varies depending on the state and the circumstances of the driver's offense. Typically, an SR-22 is required for a period of three years, but it can be as short as one year or as long as five years.
5. Alternatives: If you are required to obtain an SR-22 and find that the cost of insurance is too high, there may be alternatives to consider. For example, you may be able to get a non-owner SR-22 policy if you do not own a vehicle, or you may be able to get a policy with a high deductible to reduce your monthly premiums.

In summary, an SR-22 is a form that certifies that a driver has auto insurance coverage and is typically required for drivers who have been convicted of a serious driving offense. It can come with additional costs and is required for a period of time determined by the state and the circumstances of the driver's offense.