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: May 2, 2021

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Don't Forget These Facts

  • Florida and Virginia both require an FR-44 form instead of an SR-22
  • Indiana residents must file both an SR-22 and an SR-50
  • Only eight states do NOT require any form of SR-22 insurance

When your driver’s license is revoked, you may have to file SR-22 insurance in order to reinstate your driving privileges. 

What is an SR-22? An SR-22 filing isn’t an insurance policy per se, but it is proof that you carry at least the minimum level of coverage required by state law to get your license back.

Not every state requires SR-22. What states have something different than SR-22? Florida, Virginia, and Indiana:

  • If you live in Florida or Virginia, you will be required to file an FR-44 to reinstate your license.
  • If you live in Indiana, you will be required to file an SR-50 along with an SR-22.

Read now to learn if you need SR-22 in your state, which states have something different than SR-22, and get free car insurance quotes from local companies with our insurance calculator.

What states require SR-22?

Nearly every state requires some form of SR-22 filing to reinstate a suspended or revoked license, but there are few exceptions. While 42 states require it, the eight states that do NOT require SR-22 are:

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

If you live in any of the states above, you are not required to file an SR-22.

Does SR-22 transfer from state to state?

If you happen to move to any other state without a license, you will be required to get an SR-22 per that new state’s law. Be aware that each state has different requirements, and some states will charge to file SR-22’s.

On the other hand, if you currently have SR-22 insurance and move to one of the eight states listed, you will still have to continue filing the SR-22 for the state you were charged in until the sentence is complete or the charges are dropped.

What states have something different than SR-22?

If you live in Florida or Virginia or lose your license in either of these two states, you will be required to fill out an FR-44 instead of an SR-22. 

Just like an SR-22, the FR-44 isn’t an insurance policy but acts as proof that you carry insurance. The difference between an SR-22 and FR-44 is that drivers have to carry more than the state’s minimum when filing an FR-44.

Florida and Virginia may require an SR-22 along with an FR-44 for non-alcohol-related revocation or if drivers are charged with insurance fraud or failure to carry car insurance.

Indiana is the only other state that has something different than an SR-22.

In Indiana, drivers are sometimes required to file an SR-50 along with an SR-22. While the SR-22 proves that drivers will have insurance coverage through the future, the SR-50 proves that liability coverage is currently in place.

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Does SR-22 cover any car I drive?

Yes, with an SR-22 you will be covered for any car you drive. Many drivers choose to purchase non-owner SR-22 insurance because it can be cheaper and speed up the process of reinstating your driving privileges.

Now that you know what states have something different than SR-22, you can start shopping around for affordable SR-22 insurance coverage. Enter your ZIP code below to get quotes from local insurance companies for free.

References:

  1. http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0324/Sections/0324.023.html
  2. https://www.dmv.virginia.gov/commercial/#insurance/certifications.asp
  3. https://faqs.in.gov/hc/en-us/articles/115005236988-What-are-some-common-suspension-and-reinstatement-forms-