Nationwide SR-22 Filing 2026: Owner-Only, FR-44, DUI

Short answer

Nationwide files SR-22 certificates with state DMVs for titled vehicle owners. Nationwide publishes a one-time filing fee at purchase¹. One important constraint: Nationwide publishes that it currently only insures the titled owner of a vehicle, which limits non-owner SR-22 availability compared to carriers that broadly sell non-owner policies². In Florida and Virginia the equivalent form is the FR-44, which requires higher liability limits¹.

What determines whether Nationwide is the right place to file

Whether you own a car. Nationwide publishes titled-owner-only coverage; non-owner options are limited².
Your state and conviction. SR-22 vs FR-44 depends on the state; FR-44 is Florida and Virginia only¹.
Your state liability minimum. The SR-22 proves you carry at least state-required liability.
Lapse risk. If the policy lapses, Nationwide notifies the state DMV, which can suspend your license.
Duration. SR-22 is commonly required for about 3 years, set by state and conviction.

Four Nationwide SR-22 situations

Situation	What the rule is	What to watch
Owner SR-22 filing	Nationwide publishes that your car insurance company files the SR-22 form on your behalf with the state motor vehicle authority. A one-time filing fee may apply at purchase.	The SR-22 is a filing, not insurance. The underlying Nationwide policy must carry at least state-minimum liability.¹
Non-owner SR-22 constraint	Nationwide publishes that it currently only insures the titled owner of a vehicle. That limits Nationwide's non-owner SR-22 availability compared to carriers that broadly sell non-owner policies.	If you do not own a car but need SR-22 compliance, confirm Nationwide availability with the agent before relying on it; a dedicated non-owner carrier may be the match.²
FR-44 (Florida and Virginia)	Nationwide publishes that FR-44 is required only in Florida and Virginia, mostly for driving-while-impaired convictions. FR-44 requires more extensive liability coverage than SR-22.	FR-44 is Florida- and Virginia-only; confirm which form your state requires before buying the policy.¹
DUI trigger offense	Nationwide publishes that SR-22 is commonly required after DUI/DWI convictions, driving without insurance, repeat offenses, or license reinstatement.	The court order or state DMV letter specifies the trigger offense and the required duration.¹

Non-owner SR-22 at Nationwide

Nationwide publishes a specific constraint that distinguishes it from most SR-22 carriers: Nationwide currently only insures the titled owner of a vehicle². For an SR-22 shopper without a vehicle title, that means Nationwide’s non-owner coverage is more limited than carriers that broadly sell non-owner policies, such as Progressive, GEICO, or The General.

If you do not own a car but need SR-22 compliance, confirm non-owner availability with the Nationwide agent before relying on it. In many cases a dedicated non-owner carrier is the better match.

FR-44: Florida and Virginia

Nationwide publishes that FR-44 is required only in Florida and Virginia, mostly for driving-while-impaired convictions. FR-44 requires more extensive liability coverage than SR-22 and the carrier files the form with the state motor vehicle authority on your behalf¹.

If your court order says FR-44, you need the FR-44 form specifically. An SR-22 does not substitute. If you move out of state during the FR-44 period, confirm with the new state DMV which form they recognize and whether your filing requirement follows you.

What to do if Nationwide is your SR-22 carrier

Confirm the form your state requires
Check the court order or DMV letter: SR-22 vs FR-44 depends on your state. FR-44 is Florida and Virginia only.
Confirm the one-time filing fee at purchase
Nationwide publishes a filing fee but does not list a universal dollar amount; ask for the specific amount at quote time.
If you do not own a car, confirm availability
Nationwide publishes titled-owner-only coverage. For non-owner SR-22, a dedicated non-owner carrier is often the better match.
Maintain continuous coverage
A lapse during the SR-22 period triggers DMV notification. Set up auto-pay to prevent an accidental lapse.
Know your end date
Your state DMV, not Nationwide, sets the SR-22 end date. Confirm it before dropping the filing.

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Common follow-up questions

How does Nationwide file an SR-22?

Nationwide publishes that your insurer files the SR-22 form on your behalf with the state motor vehicle authority once the policy is active with state-required liability limits.

How much does Nationwide charge to file an SR-22?

Nationwide publishes a one-time filing fee for SR-22 but does not list a universal dollar amount on its public page. The specific amount is state-filed and shown at quote time.

Does Nationwide offer non-owner SR-22?

Nationwide publishes that it currently only insures the titled owner of a vehicle. Non-owner SR-22 availability is more limited at Nationwide than at carriers that broadly sell non-owner policies. Confirm with a Nationwide agent before relying on it.

Does Nationwide file FR-44 forms?

Yes. Nationwide publishes that FR-44 is used only in Florida and Virginia, mostly after driving-while-impaired convictions. FR-44 requires higher liability limits than SR-22.

What happens if my Nationwide policy lapses while SR-22 is required?

Nationwide is required to notify the state DMV if the policy lapses. That can suspend your license and extend the SR-22 duration. Maintain continuous coverage for the full period set by your state.

Sources

State SR-22 and FR-44 rules may change. Confirm the current form, duration, and liability minimums with your state DMV before relying on any specific number. Last reviewed November 2, 2026.