What is the difference between SR22 Insurance and Regular Car Insurance? SR22 Insurance is just regular car insurance with a Certificate of Financial Responsibility filing added. So, there is really no difference between a regular insurance policy and an SR22 Insurance policy except that the insurance company promises to keep the state informed of the status of your insurance policy. So, whether you need to insure a car, truck, motorcycle, or no car at all (broad form or non owner car insurance)