How Long Do You Need SR-22 Insurance?

An SR-22 is a certificate filed with the state by your insurance company to demonstrate that you meet the minimum insurance requirements. It’s commonly required for DUI or DWI convictions, serious traffic violations or license suspensions.

The length of time you need to maintain SR-22 insurance can vary based on several factors, including the following:

• State laws—Most states require an SR-22 for three years, but this can differ.

• Severity of the violation—More serious offenses may require a longer duration.

• Prior driving history—If you have a history of multiple violations, the state may impose a longer requirement. 

Consequences of Letting an SR-22 Lapse

It’s essential to maintain your SR-22 without interruption. If you allow your insurance to lapse, your state may impose additional penalties, including extended SR-22 requirements. Failing to maintain an SR-22 can lead to a suspension of your driving privileges.

When you receive notice that you must file an SR-22, contact your insurer right away. Not every insurance company will file an SR-22 form, so you may need to change providers. Your agent can help you shop around for SR-22-compliant auto insurance at favorable rates.

How to Know When You Can Stop Filing an SR-22

Do the following to determine when you can cancel your SR-22:

• Check with your insurance provider; they can confirm when your SR-22 requirement ends.

• Always double-check with your state’s Department of Motor Vehicles (DMV) for specific regulations.

• Make sure you’ve completed any necessary probationary periods or requirements.

Contact Us

Contact Infinite Insurance & Services LLC in Aurora, Colorado, for a personalized auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.