How Long Does SR22 Last?

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jun 21, 2021

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What You Should Know

  • SR22 insurance will cost you around $15 to $25
  • Each state has a different set of terms on how long the SR22 status should stay in effect – most require three to five years
  • SR22 is required for drivers whose driving records show that they have an increased risk of committing traffic violations or accidents

If you’ve found yourself in the unfortunate situation of qualifying for expensive SR22 insurance, you’re most likely wondering what is an SR22 and how long does SR22 last?

It’s an important question. After all, who wants to pay extra for their auto insurance policy indefinitely? 

Depending on your state and your driving record during your SR22 period, your SR22 should last about three years. However, keep reading for a full rundown on how SR22 insurance works and how the SR22 timeline will vary by state.

What Is SR22 Insurance?

It might sound confusing, but SR22 insurance isn’t actually a car insurance policy. 

Almost everyone calls it that colloquially, but in fact, it’s a Certificate of Financial Responsibility that your car insurance submits to your state’s Department of Motor Vehicles (DMV). The SR22 form verifies that you’ve purchased car insurance that qualifies for your state’s SR22 insurance coverage requirements.

Each state requires a minimum amount of car insurance policy in case of an accident or injury. High-risk drivers who fall under SR22 eligibility must meet this minimum for a period of approximately three years, depending on where they live.1

It can be quite a hassle, but it doesn’t have to be with a little insider information.

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Who Needs SR22 Insurance?

The DMV reserves SR22 requirements for people whose driving record puts them at an increased risk for future accidents and traffic violations. If you fall into this category, the DMV will mail you a notification letter that details all of the SR22 requirements for your state.2

Running a red light or speeding won’t land you SR22 as a punishment. Instead, courts assign SR22 as a result of major violations like:

  • DUI conviction or DWI conviction – Driving under the influence of drugs and alcohol, especially repeatedly, makes you a high-risk driver and will likely force you to file an SR22 form.
  • License Trouble – A driver’s license suspension or revocation or a hardship license, which is a temporary license, all can necessitate SR22 insurance.
  • Serious Transgressions – Repeated traffic offenses, moving violations, or at-fault accidents will often require SR22 insurance. The more severe or frequent the infraction, the more likely it is that you will have to file an SR22 form.
  • Insurance Issues – If you don’t maintain the minimum insurance required by your state, part of your punishment can be SR22 to ensure that you will be able to pay in case of an accident.
  • Other Legal Problems – Additional legal problems such as not paying child support can cause a judge to order that you purchase SR22 insurance.2,3

How Much Will SR22 Insurance Cost?

So, how much does SR22 insurance cost a month? Both the state and insurance company perceive drivers that have committed any of the above infractions as at risk of future violations or accidents, which makes them more expensive to insure. The SR22 form itself only costs $15 to $25 to file, but the increased premiums that insurance companies enforce can quickly empty your wallet.

These increases can amount to 25 percent or more, depending on the rates offered by your auto insurance company.1 Numerous factors related to your location and driving history can affect this increase.3 But it’s more than just a punishment. Insurance companies need to balance their bottom line with the increased risk associated with certain drivers.

But don’t worry! You don’t have to devote your entire paycheck to your new insurance premiums. With free online quote comparison tools, you’re able to compare the car insurance rate between the major insurance companies so you don’t pay more than you have to.

What Factors Affect the Length of SR22

The average length of SR22 requirements is three years, but the actual length depends on your driving record, whether you fulfill the SR22 requirements, and where you live. Three main factors affect how long the SR22 lasts.

#1 Driving Record During the SR22 Period

If you maintain a clean driver’s record during your SR22 period, the three years will pass without issue. On the other hand, if you continue to violate traffic laws, the state can extend your SR22 length or even make you restart the SR22 period.

#2 SR22 Adherence

You need to maintain your SR22 insurance for the entire time that your state requires. If you cancel your insurance or switch companies and experience a gap in coverage, you may have to restart your entire SR22 period, even if the lapse was unintentional.

#3 Location

Unfortunately, SR22 requirements and timelines differ between states. Here is a basic outline of each state’s requirements:

  • States that Don’t Require SR22 – Delaware, Kentucky, Maryland, Minnesota, New Jersey, New Mexico, New York, North Carolina, Oklahoma, Pennsylvania, Rhode Island, and West Virginia.
  • States Where SR22 is One Year – Connecticut and North Dakota.
  • States Where SR22 is Two Years – Iowa and Texas
  • States Where SR22 is Three Years – Arizona, California, Colorado, DC, Georgia, Hawaii, Idaho, Illinois, Louisiana, Maine, Michigan, Mississippi, Montana, Nebraska, Nevada, New Hampshire, Oregon, South Carolina, South Dakota, Utah, Vermont, Washington, Wisconsin, and Wyoming.

Exception include:

  • Alabama, Arkansas, Indiana, Ohio, and Tennessee – The period is three to five years, depending on the violation.
  • Alaska – The period is three to 20 years, with an increase with each additional offense. SSR2 becomes permanent after a fourth DWI.
  • Florida and Virginia – The period is three years, with an increase with each additional offense. SSR2 becomes permanent after a fourth DWI.
  • Kansas – The period is one to three years, depending on the violation.
  • Massachusetts – SR22 is only required for drivers who file an SR22 in a different state. The state of origin decides the length of the filing period.
  • Missouri – The period is two to three years, depending on the violation.

It can become confusing quickly. That’s why your best bet is always to reach out directly to your state’s DMV to confirm its SR22 requirements. We know the DMV is infamously unhelpful, but a couple of hours on hold will pay off in the long run because even an unintentional infraction could extend your SR22 period, sometimes permanently.

What to Do if You Move

Moving states only makes the SR22 process more frustrating because of how the requirements vary so drastically between states. Moreover, there is a national database of drivers and their driving history, so you can’t escape your SR22 no matter where you move within the United States.

You usually will continue to follow the SR22 requirements from your previous state but confirm with the DMV in each state before you move to make sure you don’t miss anything important.1 

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How to File for SR22

Once you understand the SR22 requirements in your state, the process to obtain the correct insurance and file the SR22 form is simple, but first, you need to know the difference between the three types of SR22 certificates:

  • If you only need to cover your own car – Choose the Owner’s Certificate.
  • If you don’t own a car – Choose the Operator’s Certificate.
  • If you want to cover your car and any other car you drive – Choose the Owner-Operator Certificate.

Now that you understand the three SR22 options, here’s what you need to do to file for SR22:

  • Choose Your Plan – Confirm which of three certificates you qualify for before you call your insurance because rates vary between each of these certificates.


  • Get a Quote – Before you do anything else, access a tool like 4AutoInsurance to receive customized quotes for each of the major insurance companies. Don’t leave money on the table; consider all of your options.


  • Contact Your Insurance – Now that you’ve found the lowest rates available, call the insurance company and purchase your auto insurance. After that, they’ll reach out to the DMV to file the SR22 form for you.1 

SR22 requirements may seem frustrating and confusing at first, but hopefully, you now understand how to properly file the form and purchase the necessary insurance.

How to Get SR22 Removed

This is the day you’ve been waiting for. Your SR22 period has finally finished, and your bank account is grateful. Even better, it’s a quick and easy process to withdraw your SR22 form. Want to learn how to get an SR22 removed? All you need to do is:

  • Call the DMV – They can provide you with the ending date of your SR22.
  • Wait for that Date – If you cancel before the date your SR22 insurance ends officially, you can face serious consequences. 
  • Call Your Insurance – After the date, the DMV provides passes, reach out to your insurance so they can cancel your SR22 on your behalf.1 

After that, you’re in the clear and may want to look into knowing how to get a restricted license. Continue to follow traffic laws and avoid accidents, and you can put this whole chapter behind you in your rearview mirror.

Find Affordable Rates with 4AutoInsuranceQuote

Your SR22 period won’t feel like a lifetime if you secure the best rates. Stop asking how long does SR22 last, and start asking what your car insurance can do for you and your wallet.

Depend on 4AutoInsuranceQuote for all your price comparison needs. All we need is your zip code, driving history, vehicle information, and some basic information about you. Within minutes, you’ll have fully customized quotes from major car insurance companies so you can price compare to your heart’s desire.

Trust us: time flies when you have savings on your side.

References:

  1. WalletHub. SR-22 Insurance Guide. https://wallethub.com/edu/ci/sr-22-insurance/7337
  2. State Farm. Suspended driver’s license? You may need an SR-22https://www.statefarm.com/simple-insights/auto-and-vehicles/suspended-drivers-license-you-may-need-an-sr22 
  3. Progressive. What is an SR-22?  https://www.progressive.com/answers/sr-22/ 

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