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How Long Do I Need SR-22 Insurance?

An annoyed Caucasian woman showing her license and SR-22 proof of financial capacity to a traffic officer who pulled her over.

If you have been arrested for a DUI/DWI or had your license suspended, it might seem like the restrictions, requirements, and fines never stop piling up. Beyond paying for tickets or fees to reinstate your license, you also may find you are required to obtain an SR-22.

An SR-22 is a common requirement for high-risk drivers. An SR-22 is a certificate filed with your state that guarantees you have purchased auto insurance that meets the minimum liability insurance mandated by the state.

You may have been required to obtain an SR-22 for several reasons, such as reckless driving, multiple traffic offenses, DUI, or DWI, among others. Regardless of the reason, you are probably wondering how long does SR-22 last and how do you obtain it as soon as possible.

How to Get SR-22 Insurance

SR-22 insurance can be obtained through an insurance company. Unfortunately, not every insurance company will provide SR-22 insurance, so if you have an existing policy, your current company may or may not be able to ensure you. If you need to switch companies or buy a new policy, you should be upfront about your SR-22 requirement.

What if Your Current Insurance Provider Doesn’t Offer SR-22 Insurance?

Perhaps you are a homeowner that has your auto insurance bundled with your homeowner’s policy. Maybe you drive a vehicle that other members of your family drive as well. If you need to obtain an SR-22, but your current insurance provider doesn’t offer it, you probably don’t want to cancel your existing coverage. This is where non-owner SR-22 insurance comes in.

SR-22 non-owner insurance is a way for you to keep your current policy as your primary insurance, but have a secondary policy to cover your SR-22 requirement. Your non-owner SR-22 insurance would not cover any vehicles, but would include the same liability limits that are on your primary policy.

How Long Do You Have to Have an SR-22?

While it may seem like the end of the world, when you have to file an SR-22, the good news is you won’t have to hold the insurance forever. Most states require drivers to keep SR-22 insurance for three years. If you cancel your insurance or let it lapse at any time within that period, then your car insurance provider will alert the state, which will lead to a license suspension.

If I Move Am I Required to Carry the SR-22 Insurance in Another State?

SR-22 requirements vary from state-to-state. SR-22 insurance is not applicable in the states of Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania.

You might think you are off the hook if you move out of a state where you are required to hold an SR-22; however, that is not the case. Regardless of which state you currently live in, you are still required to uphold your SR-22 requirements for the full term mandated by the state in which the incident occurred. The situation gets slightly more complicated if you move to one of the states that do not use SR-22 forms. In that scenario, you will need to reach out to the state that mandated the SR-22 and ask if they will accept a certified document from your current insurance provider.

How Much Does SR-22 Insurance Cost?

You may have heard the rumors that it is expensive to obtain an SR-22. The truth is the fee to file SR-22 insurance is nominal and ranges from $15-$25. The fee applies the first time you file, and it typically does not need to be paid again when your policy is up for renewal. The costs associated with SR-22 insurance do not come from the SR-22 itself, but for the incident that resulted in the requirement.

A driver who needs to file an SR-22 is likely to be purchasing high-risk auto insurance, which may be significantly more expensive than a standard policy. If you are in the market for SR-22 insurance, compare auto insurance quotes from several companies before you select a policy.

Three years to file an SR-22 is long enough. To avoid lengthening your SR-22 requirement, be sure to practice safe driving habits, obey the speed limit, and do not drink or use drugs while driving. If you follow the rules of the road, you will be back to your standard insurance rates before you know it.

If you’re looking for SR-22 insurance, Freeway Insurance can help. Get a free SR-22 auto insurance quote online or over the phone by calling (800) 777-5620. Freeway Insurance specializes in insuring high-risk drivers who need an SR-22, so let us help you file an SR-22 and obtain affordable auto insurance.

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