What this site is

ClearRoad Guide explains one narrow, badly documented corner of US auto insurance: SR-22 and FR-44 filings — the certificates a state makes you carry after a DUI, a serious violation, or a license suspension. The site covers what each state requires, how long the filing lasts, what form is involved, and what other people have reported paying.

It is a reading site. It does not sell insurance, does not quote insurance, and is not an insurance agency, a broker, or a law firm.

Who writes it

One person: Alonso Pinar Jiménez. I'm a web developer based in Spain. I am not an insurance agent, not a licensed adviser, and not a lawyer, and I hold no credential in the insurance industry. There's no editorial team behind me, so I write as "I" rather than "we." The one place that still says "we" is the Privacy Policy, which uses it for the site as data controller, exactly as that page defines the term.

What I do have is patience for primary documents. State DMV, BMV, DPS, and Secretary of State pages are public, and they are usually where the real answer is — buried in a PDF, split across three pages, or written in a register nobody reads for pleasure. I read those pages and rewrite what they say in plain English, with a link back so you can check me. That's the whole value proposition of this site, and it's worth exactly as much as the sourcing behind it.

The two kinds of information here, and why they aren't equal

Almost everything on this site falls into one of two buckets, and they don't carry the same weight:

  • Legal requirements — whether your state uses an SR-22 at all, how long you have to keep it, which form applies, the minimum liability limits. I take these from the state agency that actually sets the rule, and I link to the specific page that says it, not the agency homepage.
  • Cost figures — every price on this site is a statutory amount or a fee the agency itself publishes, named and dated. What you will not find is a premium: no insurer publishes a rate for an individual record, and the averages that circulate on comparison sites are built for a constructed driver profile without saying when they were collected, so this site does not republish them. The reasoning is set out in the editorial policy, and what was removed to get here is listed in the corrections log.

Those cost figures are not quotes, not my own data, and not a prediction of your premium. I don't run a rate engine, I don't collect anyone's driving record, and I have no data-sharing arrangement with any insurer. Comparison sites build their averages from different driver samples at different times, which is why two of them can publish very different numbers for the same state. When that happens I show both with their sources rather than averaging them into a figure nobody measured.

What this site does not do

  • It does not sell anything. No policies, no leads, no quote forms.
  • It does not collect your personal information to pass to insurers or agents.
  • No one pays to appear here. Being listed in a table, a comparison, or a "who to call" section is never bought.
  • It does not treat forum posts as sources. A Reddit thread or a driving-school blog can tell you what a process feels like; it can't establish what a state requires or what coverage costs, and it won't be cited as if it could.
  • It does not give you legal or insurance advice. I can tell you what Texas publishes about its two-year filing period. I cannot tell you what your court order says, whether your suspension clock has started, or which policy you should buy.

What to do when you need something this site can't give you

For anything binding, go to the source that can actually bind:

  • A real price — call insurers or an independent agent licensed in your state. Only they can quote you.
  • Your own case status — your state's DMV, BMV, DPS, or Secretary of State, using your license number.
  • Court requirements, deadlines, or reinstatement conditions — a licensed attorney in your state.

Dates on this site mean what they say

Each guide carries a publication date and a last-updated date. The publication date is when I wrote it. The updated date changes only when I actually change something on the page. Most of this site was written and published in one stretch, so many guides legitimately share the same date — that's a fact about how the site was built, not a sign of a review I didn't do. Where a figure has no source link and no date beside it, treat it as unchecked and tell me, and I'll fix that page or pull the figure.

How the site pays for itself

Display advertising, served by an ad network. I don't choose which advertisers appear, and no advertiser sees, reviews, or approves a guide before it goes up. Advertising has no bearing on which insurers get named or how they're described. See the Advertiser Disclosure for the detail.

Corrections

If something here is wrong, outdated, or unsourced, tell me through the contact page and point me at the page. I'd rather be corrected than quoted incorrectly. How corrections are handled is set out in the Editorial Policy.