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How to Get Your License Back with SR-22 Insurance

If you’ve been convicted of driving without insurance, driving under the influence, failing to pay car insurance, reckless driving, or another infraction, your license can be suspended. Fortunately, there are steps you can take to get your license reinstated. Of course, you can’t help but wonder, “How long does it take to reinstate a license?” It depends on the length of the suspension. Still, you can get a basic idea by going over the process of reinstating your license. That includes getting SR-22 insurance. 

Take a Driving Class

You might have to take a driving class before you can get your license reinstated. Sometimes, this can speed it up. For instance, if you have a suspended license due to multiple moving violations, a judge might allow you to get your license back sooner if you took a defensive driving class. There’s another bonus to this as well. Taking a driving class can help you lower your car insurance rates. That’s important after you have a suspended license.

Obtain an SR-22 Bond

You will need to obtain SR-22 insurance before getting your license reinstated. An SR-22 bond is a form that your insurance company will send to the Department of Motor Vehicles on your behalf. This form states that you meet the minimum insurance coverage requirements. If you don’t have insurance, you need to get it first and then get the SR-22 bond. 

Pay the Fees Associated with your Suspension

After you have the coverage you need, you’ll need to pay the fees. If possible, do it all at once. However, if you cannot do that, set up a payment plan. 

How long do I need an SR-22?

cop taking drivers license away sr 22 insurance

States have different requirements, but usually, you’ll need an SR-22 for around three years. However, if you have a serious infraction, you might have to carry SR-22 insurance for ten years. 

If your insurance lapses or gets suspended, the insurance company must notify the Department of Motor Vehicles. Then, your license will be suspended yet again. 

How do I know when my SR-22 is up?

Because there’s no clear answer, you will need to contact the DMV to find out exactly how long you need to keep your SR-22.  

How to Get an SR-22 Removed

After you meet the terms of the SR-22 insurance, you can have it removed. This is quite simple: Call the insurance company and let the agent know that you don’t need the SR-22 coverage. Then, it will be dropped. 

Get Help with SR-22 Insurance

If you need SR-22 insurance, you might feel a little confused. Fortunately, you can contact an insurance agent for help. Speak to an agent to find out what coverage you need and how to obtain the SR-22 bond. Then, the insurance company will file it with the DMV, and you’ll be one step closer to driving. 

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*Based on a Q1 2020 study of Freeway Insurance customers who reported saving when they switched.