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 3, 2021

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Don't Forget These Facts

  • Most states require drivers to carry SR-22 insurance for 3-5 years
  • If you cancel SR-22 early, you will lose your license again 
  • Once the terms of your SR-22 insurance are served, you can call your provider to cancel SR-22

How long is SR-22 insurance required in your state? Most state laws require drivers to carry SR-22 insurance for 3-5 years. 

Check out our SR-22 state guide to learn more about your state insurance laws and keep reading to find out how to get SR-22 removed and the average SR-22 car insurance rates by company.

If you already know how long SR-22 insurance is required and need cheap insurance quotes, enter your ZIP code above. We’ll get you affordable SR-22 insurance quotes from car insurance companies in your area.

How long is SR-22 insurance required?

If you lost your driver’s license, you will most likely need an SR-22 form to legally reinstate your driving privileges. SR-22 auto insurance isn’t exactly coverage, but it proves to the DMV and the judge that you carry the minimum level of insurance required to drive in your state. 

You’ll be required to carry SR-22 for an average of 3-5 years depending on where you live and the type of offense that cost your license.

Some states require less, like Texas where drivers only need to carry SR-22 for two years. Other states don’t require SR-22 insurance at all, like New York and North Carolina. Study your state laws to find out how much coverage you need before you buy SR-22 insurance.

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How much does SR-22 insurance cost a month?

Every auto insurance company looks at risk differently, and SR-22 car insurance rates vary by driver depending on the company you choose. Most providers consider your ZIP code, the kind of car you drive, and the types of offenses on your driving record when giving SR-22 insurance quotes.

How much is SR-22 insurance? Take a look at the table below to see what you can expect to pay in monthly SR-22 insurance costs with different companies:

Average Monthly Auto Insurance Rates Based on Driving Record

Insurance CompanyAverage Monthly Insurance Rates with a Clean Driving RecordAverage Monthly Insurance Rates with One AccidentAverage Monthly Insurance Rates with One DUIAverage Monthly Insurance Rates with One Speeding Ticket
American Family$224.47$310.23$360.85$252.15
State Farm$235.10$283.00$303.07$265.50
Liberty Mutual$397.86$517.06$634.46$475.11
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Not every insurance company offers SR-22 insurance coverage. If your provider drops you, it’s important to find new coverage immediately before you face charges for driving without car insurance.

How do you get SR-22 insurance removed?

The only reason you need to remove SR-22 insurance before the end of your required period is if you’re switching insurance companies. Once you have served the terms of your SR-22 insurance requirements, you can call your insurance company to cancel. 

If you cancel SR-22 early, you will lose your license again and have to start the process over from the beginning. 

Now that you know how long SR-22 insurance is required, shop around with multiple insurance companies to find the cheapest rates possible. Enter your ZIP code below to start comparing SR-22 insurance quotes from local providers in your area.