GEICO can file an SR-22 for customers who need one, and an FR-44 in Florida and Virginia. Filing isn’t a separate type of insurance GEICO sells. GEICO submits the certificate to your state alongside an auto policy that meets the required liability limits.
An SR-22 or FR-44 proves to your state that you carry the minimum coverage it requires. A court or your state’s motor vehicle agency decides who needs one, which form applies, and how long you must keep it filed, not GEICO.
Key Takeaways
- GEICO can file an SR-22, and an FR-44 in Florida and Virginia, for customers who need one. The certificate itself isn’t a policy, it’s proof of coverage filed with your state.
- GEICO charges a one-time filing fee for each person it files for, but its site doesn’t publish a set dollar amount, so ask for the exact charge before you buy.
- Whether you need an SR-22 or FR-44, and for how long, is decided by your state or a court, not by GEICO.
- Existing GEICO customers can request a filing by phone or chat. New customers generally get a quote first, then contact customer service to start the filing.
What an SR-22 or FR-44 Proves
GEICO’s SR-22 page describes it as a certificate of financial responsibility, not a type of insurance. It’s the paperwork your insurer files to confirm your policy meets your state’s minimum requirements. Common reasons a state or court orders one include a DUI or DWI conviction, driving without insurance, or multiple traffic violations. If you’re trying to work out what coverage looks like after driving under the influence, that’s a separate question from the SR-22 filing itself.
The FR-44 is a related form GEICO says is required only in Florida and Virginia, generally for more serious offenses, and it typically calls for higher liability limits than a standard SR-22. GEICO doesn’t publish the exact FR-44 limit amounts, so confirm the number with your state notice or court paperwork.
| Form | Where It Applies | Liability Requirement |
|---|---|---|
| SR-22 | Most states, when required by a court or the state’s DMV | Your state’s standard minimum limits |
| FR-44 | Florida and Virginia only | Higher limits than a standard SR-22 |
How GEICO Handles the Filing
GEICO says existing customers can call its SR-22 line or use chat on geico.com to start a filing. If you’re not yet a GEICO customer, GEICO says you get a quote first, then contact customer service to begin the process. Either way, check GEICO’s customer service hours before you call, since not every line is staffed the same way.
As of September 2026, GEICO’s SR-22 page describes the filing fee as a one-time charge billed per person filed, and says it isn’t included in your rate quote because it varies. GEICO doesn’t state a specific dollar amount on that page, so ask GEICO directly for the exact charge that applies to you. If you need GEICO’s full list of numbers for anything else on your policy, you can contact GEICO that way too.
State Rules Decide the Details
GEICO’s own page puts this plainly: SR-22 and FR-44 requirements are set by courts or your state’s motor vehicle agency, and they vary from state to state. That covers whether you need one at all, which form applies, and how long you have to keep it filed. GEICO’s role is filing the paperwork on time, not setting the rule, so treat your state’s notice or court order as the final word and call GEICO to confirm it can meet that specific requirement.
The Filing Fee Is Not Your Whole Bill
The filing fee is separate from whatever happens to your insurance premium because of the violation that triggered the requirement. GEICO’s own guidance on rates says accidents, speeding tickets, and DUI convictions typically lead to higher premiums, so budget for both the small filing charge and a possible increase to the policy itself.
If you don’t own a car but still need to satisfy the requirement, GEICO says a non-owner SR-22 policy is available for exactly that situation. See our explanation of GEICO’s non-owner SR-22 insurance for how that works.
How to Request an SR-22 From GEICO
- Get the exact requirement in writing. Your state’s notice or court order should say whether it’s an SR-22 or FR-44, and for how long.
- Contact GEICO. Existing customers can call or chat directly; new customers start with a quote, then move to filing.
- Ask for two numbers in writing. The one-time filing fee and the full policy premium, listed separately.
- Confirm the filing lands with your state. Keep GEICO’s confirmation until your state or court closes out the requirement.
If the added cost is a strain, it’s worth taking the time to compare car insurance quotes from insurers who can handle your specific filing, using the same coverage limits so the numbers are actually comparable.