Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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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...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Jun 29, 2021

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Don't Forget These Facts

  • SR-22 insurance lasts for three years in most states
  • The SR-22 form costs $15 to $25
  • If you don’t own a vehicle, you’ll need to get non-owner auto insurance with an SR-22 attached

Did you recently buy SR-22 insurance? You may be wondering, “How long does an SR-22 last?”

SR-22 auto insurance varies for each state, and some states don’t have SR-22 certification. But what is SR-22 insurance?

Our guide explains everything you need to know about how long SR-22 insurance lasts. Enter your ZIP code in the free online quote tool above to compare multiple SR-22 insurance companies in your area.

How long does an SR-22 last?

The average SR-22 certification lasts for three years. Some states have a limit of two years, and a few have SR-22 insurance terms that last five years at the most.

SR-22 insurance is proof that a high-risk driver carries the minimum state requirements for auto insurance.

When getting SR-22 certification, it could take a few weeks before you’re cleared to drive. Read on to learn how long it takes for SR-22 insurance to activate.

How long does an SR-22 take to process?

Once your car insurance company accepts your SR-22 insurance application, they’ll need to send it to the DMV. Although it takes a few days for an SR-22 to arrive, it can take around 30 days for the SR-22 certification to be processed.

How long does it take for the DMV to get SR-22?

Your SR-22 application may reach the DMV within 30 days. Before your SR-22 certification request is approved, it could take up to two weeks for the DMV to get your SR-22 form.

Do I have to reapply for SR-22 if I move?

That depends on the state you’re moving to. Some states don’t have SR-22 forms. However, 44 states do require SR-22 forms.

If you do move to a state with SR-22 requirements, you’ll need to ask your car insurance company to send an SR-22 certification request to the state where you’ll live. Continue reading to learn more about SR-22 in each state.

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Which states require SR-22 insurance?

Some states don’t have SR-22 insurance forms. However, the majority do. Uniquely, while New Hampshire has SR-22 insurance requirements, the state doesn’t have mandatory car insurance requirement laws.

Here’s a list of states that carry SR-22 and their filing periods.

SR-22 Filing Terms by State
StatesLength of Filing Period
District of Columbia3
Florida (FR-44 also required)3
Maryland (FR-19 also required)3
New Hampshire3
New Jersey3
North Dakota1
Rhode Island3
South Carolina3
South Dakota3
Virginia (FR-44 also required)3
West Virginia3
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The filing period is how long you’ll keep SR-22 certification. Once the filing term is done, the car insurance company determines if you’re still a risk. If you’re still a high risk to auto insurance companies, you’ll need to reapply for SR-22.

Which states don’t require SR-22?

Some states don’t have SR-22 forms, so double-check your state laws before you skip a step in the SR-22 process.

Here’s a list of states that don’t require SR-22 forms:

  • Delaware
  • Kentucky
  • Minnesota
  • New Mexico
  • New York
  • North Carolina
  • Oklahoma
  • Pennsylvania

These states may not have SR-22 insurance, but your auto insurance rates will still increase if you’re deemed a high-risk driver. To get cheap SR-22 insurance rates, don’t forget to ask about auto insurance discounts.

How do I find out when my SR-22 expires?

Contact your auto insurance company and ask about your SR-22 certification status. A representative will give you the SR-22 end date.

If you can’t reach your car insurance company, visit the DMV and ask about your SR-22 insurance application status and when it ends.

How to Apply for an SR-22 Certification

The first place you should apply is your auto insurance company. Let your car insurance company know that you are legally required to get SR-22 certification.

The insurance agent will take you through the next step, which involves completing and signing a form. You can do this online or with an agent in person. Your auto insurance company will then send your SR-22 form to your state’s DMV.

What’s the cost of SR-22 insurance?

An SR-22 insurance form costs $15 to $25. The SR-22 filing cost depends on the company and the state.

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Why do I need an SR-22?

SR-22 insurance is usually required when a driver commits multiple violations. These are some of the reasons why you may need SR-22 insurance:

  • Driving without auto insurance or insufficient insurance
  • Driving with a suspended license, expired registration, or improper qualifications
  • One or more DUI/DWI charges
  • Multiple car accidents
  • Multiple traffic violations in a short period

It’s best not to debate the DMV or your auto insurance company about why you need SR-22. Try to get through the SR-22 insurance situation as smoothly as possible.

When should I get SR-22 insurance?

It depends on your situation. For example, one DUI that didn’t result in an accident may not require an SR-22 form, but DUIs that result in a car accident often require SR-22 insurance.

Most of the time, it’s best to get SR-22 insurance after your violations have been resolved. In other words, wait until a traffic court judge demands that you get SR-22 certification.

How do I get non-owner SR-22 insurance?

When drivers don’t own a car but still need SR-22, they can buy non-owner car insurance. With non-owner car insurance, you carry the minimum liability coverage required by the state while driving someone else’s car.

Non-owner auto insurance is more expensive, and it’s even more costly with SR-22 insurance attached to it. You’ll need to shop around for non-owner car insurance and ask for an SR-22 insurance form.

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What’s the Bottom Line?

SR-22 usually lasts for three years, but some states have SR-22 terms that last less than three years.

Depending on your driving history, you may have to reapply for SR-22 insurance if your car insurance company believes you’re still a high-risk driver.

Now that you know how long SR-22 lasts, use our free online comparison tool to compare affordable SR-22 insurance quotes from companies near you.