SR-22 is a process one goes through when no one will insure you. The insurance company puts your name in a lottery and the insurance company that picks your name has to insure you. I had this happen about 25 years ago and it was real expensive. After one year, I went to another insurance company and they insured me for normal rates without SR22. I received two speeding tickets in a 12 month period which caused the insurance company to freak. Good luck!