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

  • You will need to buy SR-22 insurance after a suspended license to reinstate your driving privileges
  • Most states require drivers to carry SR-22 for 3-5 years
  • SR-22 insurance rates vary by driver based on where you live and the kind of car you drive

Do you need SR-22 insurance after a suspended license? Yes. If your driver’s license is suspended, you will need to file an SR-22 form with your provider to legally reinstate your driving privileges. 

Driving without car insurance is illegal, and you can face fines and jail time for failing to maintain SR-22 insurance. Read our guide to learn how long you need SR-22 insurance and how to get SR-22 removed after a suspended license. 

Do you need SR-22 insurance after a suspended license? Shop around for affordable SR-22 insurance quotes before you buy to get the best rates. Enter your ZIP code above to start comparing quotes from local companies for free.

Do I need an SR-22 to reinstate my license?

Yes, you will likely need an SR-22 to reinstate your driver’s license once it’s been suspended. But SR-22 isn’t an insurance policy. Every state requires a compulsory level of insurance coverage, and an SR-22 form proves that you meet the minimum insurance requirements to legally drive in your state. 

State laws vary when it comes to SR-22 insurance costs, but you can expect your auto insurance rates to go up once you file an SR-22. Filing one signals to providers that you’re a higher risk to insure, and you may lose coverage if your current company doesn’t offer high-risk car insurance.

How long do I need to have SR-22 insurance?

Drivers with suspended licenses are required to carry SR-22 insurance for 3-5 years on average depending on state law. Failure to maintain SR-22 insurance can result in another license suspension, vehicle registration suspension, jail time, and/or fines of $500 or more.

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How do I 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 are switching insurance companies.

If you’re switching providers, do not cancel your current policy until the new SR-22 is in place. When you have confirmation that your new policy is applied, contact your current provider to cancel your SR-22 car insurance. 

Once you serve the terms of your SR-22 insurance requirements, you can call your insurance company to cancel and remove the SR-22. Your provider will notify the DMV on your behalf.

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

Before you buy SR-22 auto insurance, shop around for affordable rates with multiple companies, especially if you need SR-22 insurance after a suspended license. Enter your ZIP code below to compare SR-22 insurance quotes from local companies for free.