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 Missouri, an SR-22 is a certificate of insurance that proves the holder carries the state's required minimum amount of vehicle liability coverage. This certificate is necessary for individuals who have had their driving privileges suspended or revoked due to certain offenses, such as a DUI/DWI. The Missouri Department of Revenue (DOR) is the agency that handles SR-22 requirements, not the Department of Public Safety (DPS), Department of Transportation (DOT), or Department of Motor Vehicles (DMV), as these departments may be referred to in other states. Insurance providers that issue an SR-22 are required to notify the DOR if the policy is canceled, terminated, or lapses. Drivers may be required to maintain an SR-22 for a set period, typically three years, to have their driving privileges reinstated or to obtain a restricted or hardship license.