The SR-22 certificate is not car insurance; instead, it is proof of insurance that the insurer files with the driver's state, according to Progressive. An SR-22 is required only when a judge orders the driver to obtain it. An insured driver may add an SR-22 at any time.
An uninsured driver or a new client may request an online car insurance quote that includes the SR-22, advises Progressive. If a judge orders the SR-22 due to an accident or a moving violation, the driver's premiums may increase. When the SR-33 filing is no longer needed, the driver should contact the insurance carrier to remove it from the policy.