Filings and regulation
Car insurance is regulated state by state. Insurers file their rates with each state insurance department, and some drivers need their insurer to file a certificate of coverage, such as an SR-22 or an FR-44, with the state. These articles explain what those filings are, who files them and what they mean for a driver, with links to the official sources.
- What Is an SR-22? How the Filing Works and How Long It Lasts
An SR-22 is a certificate an insurer files with the state to prove you carry liability coverage. Why states require one, how long it lasts and what a lapse does.
- Non-Owner SR-22 Insurance: What It Covers and Who Needs It
A non-owner SR-22 pairs a non-owner liability policy with the state filing, for drivers who must prove coverage but have no car. What it covers and what it does not.
- What Is a Car Insurance Rate Filing, and Why Does It Change My Bill?
A rate filing is how an insurer asks a state to change its car insurance prices. What a filing contains, what its percentage means and why your bill can differ.
- What Is an FR-44? Florida and Virginia's DUI Insurance Filing
An FR-44 is a filing Florida and Virginia require after DUI-related convictions. It certifies liability limits above the state minimum, usually for three years.
Other topics
QuotePitStop is a lead-generation service, not an insurance company, agent or broker. The articles are general information, not insurance, legal or financial advice. We are not affiliated with the insurers named.