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 insu...

Full Bio →

Written by

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Full Bio →

Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Jun 8, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Don't Forget These Facts

So you’ve gotten a DUI or enough tickets to land you on the SR-22 radar of your state’s insurance department. After the three to a five-year filing requirement, you may find yourself a little lost on where to go next. 

SR-22 insurance quotes are going to be more like a filing fee than anything else. Though, your car insurance may increase. This is most likely, though, due to your behavior behind the wheel, which led you to an SR-22 in the first place. Auto insurance companies will bump up prices for risky drivers.

If you’re ready to start comparing insurance companies, start now by entering your ZIP code into our free tool,

What is SR-22 Insurance?

After you’ve been in a serious accident — that has resulted in your licenses being suspended— your state may require you to prove your insurance coverage with an SR-22 form.

This is not a special policy, SR-22 insurance filing options will start with your insurance company. It’s officially a Certificate of Financial Responsibility. This is done so that you may get your license back. 

Generally, as a high-risk driver, this document means you have to pay more for your car insurance premiums. 

Check out the table below as sort of a 101 to SR-22.

SR-22 Auto Insurance Summary
SR-22 Insurance FactsSource
A SR-22 is required by Texas to verify you are maintaining vehicle liability insurance.dps.texas.gov
A SR-22 is able to be issued by most insurance providers.dps.texas.gov
The insurance provider will notify the authorities when a SR-22 is terminated, cancelled, or if it lapses.dps.texas.gov
Reasons for a SR-22: driving privilege suspended after a crash, several convictions for No Motor Vehicle Liability Insurancedps.texas.gov
You are required to maintain coverage for two years starting from the date of the conviction that requires you to possess a SR-22dps.texas.gov
Get Your Rates Quote Now
Compare RatesStart Now →

Though not applied in all states, most states will require drivers to have an SR-22 on file for three years. In the event you let your insurance lapse during this time, your insurance company will notify the state and your license will be immediately suspended. Keep in mind, some states may require you to keep an SR-22 on file for up to five years. This is also subject to the driver’s behaviors on the road. 

You will need to initiate the cancellation of the SR-22, so keep in mind important dates. You may find that another company offers better rates now that you’re out of the SR-22 cloud, but how do you get past it?

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

When can you cancel SR-22 insurance?

Again, not insurance,  but this service through your car insurance provider will need to be canceled by the driver. You can cancel the SR-22 after the three-year period which will usually be marked by a reminder from your states department of motor services. 

What happens if you cancel SR-22?

You will find that the consequences of canceling early, could end up with your licesnse suspension starting all over agin — or worse. Since the SR-22 is an official state document, you could find yourself in some serious trouble. 

That is why it is important to make sure you are following all the rules of the SR-22 and staying in touch with your car insurance company to keep your policy updated. 

But, if your three years is up and you’ree ready to get rid of the SR-22, contact your car insurance provider to let them know. Your car insurance provider will not remove this from your policy without you first, so make sure you stay on top of that.

After dealing with your car insurance company, double check with your local DMV that the SR-22 is in fact over. You may need to file an SR-26 to cancel the SR-22. This should also end ay fees or taxes you incurred during the thre years. 

How do I know if my SR-22 is over?

The timeline varies from state to state, so you should contact your local department of motor vehicles to find out the exact time required in your state. Your car insurance company will not remind you. 

On the flip side, it takes about 30 days for an SR-22 to be processed and submitted to the Secretatry of State. 

How do I  get out of an SR-22 early?

The circumstances in which you may want to cancel an SR-22 is to switch car insurance policies or because you are moving to another state. If this is the case, make sure your new car insurance policy has started before you cancel your current one, so that your SR-22 doesn’t lapse. 

While there are many ways a person can add time to their SR-22 requirement, the law does not stipulate any conditions that can be met to reduce the time one has to keep an SR-22.  This is generally no less than three years. The only loophole you may have is the time you have the document with you will be determined from state to state and may be determined by the reason you need the SR-22.

Essentially what this means, is since the period you are caught in violation, the time you are convicted and the time you get the SR-22 are all different times, you may actually be in luck and keep it for a shorter time than the actual three years.

For instance, if a judge decided to backdate the SR-22 requirement by the period your case has been in court, and assuming it has been in court for about six months, then you are going to keep the SR-22 for just two and a half years. This is the only way your period of having to carry an SR-22 can legally be reduced.

How can I appeal SR-22 insurance?

You can appeal an SR-22 requirement. If you’re fighting a DUI, this may be part of your appeal process already. But, if this is not already part of your process, you may need to hire an attorney in order to appeal an SR-22 order. In places like New Hampshire, these apeals are written into insurance codes.

“Once the “at-fault,” uninsured operator has received a suspension notice he/she has 30 days to request a hearing and discuss his/her concerns relative to the uninsured, “at-fault” accident. “

This 30-day opening is expanded to up to 90 days in some states. Getting an attorney quickly is recommended as states are very strict on this appeal window. 

Is there a way to get rid of SR-22?

If you’ve challenged and won, your DUI case, you may be able to get of SR-22 immediately. Since these documents are recorded with the DMV through your car insurance to keep a handle on your posed risk to the road, the dismissal of a DUI is a big deal. You’ve proved that you were, indeed, not a threat to other drivers. 

Keep a record of the documents that clear you of your DUI or another incident that led to an SR-22. You will likely need to jump several hoops through your car insurance provider and the DMV before you can be fully cleared. 

How do I find out if I still need an SR-22?

Your state’s DMV is going to be the gatekeeper of your SR-22. If you have any questions about the status of your SR-22 or if you are violating the requirements of the form, you will need to check with the DMV to see what your status is. 

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

Do Your Research, Lawyer Up 

SR-22 insurance doesn’t need to weigh you down, and you also don’t need to face the consequences of canceling early — in some circumstances. However, if you find yourself in a bind with your current insurer and plan on switching insurance companies with an SR-22 it may be best to contact a lawyer.

SR-22s are required for three years, though stay in contact with the DMV for when your term is up.

If you want to look at auto insurance companies in your area, enter your ZIP code to start comparing policies.

<ol> <li><a href=”https://www.nh.gov/safety/divisions/dmv/financial-responsibility/insurance.htm” target=”_blank” rel=”noopener ”nofollow” noreferrer”>https://www.nh.gov/safety/divisions/dmv/financial-responsibility/insurance.htm</a></li> </ol>