A Financial Responsibility Insurance Certificate (SR-22) is proof or verification the holder is maintaining vehicle liability insurance in the required amounts. It is not a type of insurance—it is a form filed with the state’s department of public safety (DPS), department of transportation (DOT), or department of motor vehicles (DMV) and may also be referred to as an SR-22 Bond or SR-22 Form.

An SR-22 can be issued by most insurance providers, who will notify the state’s department of public safety or department of motor vehicles when an SR-22 is cancelled, terminated, or lapses.

The state will often require a driver whose license has been suspended following an arrest for DUI/DWI to provide an SR-22 in order to get their occupational or restricted license or to have their driver’s license reinstated.

In Minnesota, an SR-22 is a certificate of financial responsibility required for certain drivers to prove that they carry the state's required minimum amount of vehicle liability insurance. This certificate is necessary for individuals who have had their driving privileges suspended or revoked due to offenses such as DUI/DWI. The SR-22 is not an insurance policy itself, but a form that the insurance company files with the Minnesota Department of Public Safety (DPS). It serves as a guarantee to the state that the individual is maintaining the necessary insurance coverage. If the SR-22 is cancelled, terminated, or lapses, the insurance provider is obligated to notify the DPS. Drivers may be required to maintain an SR-22 for a set period, typically for several years, as determined by the state following a license reinstatement or issuance of a restricted license.