How Long Do You Need SR22?

One of the most common questions we hear is: how long do I have to keep SR22? The answer depends on your state and, in some cases, the specific violation. Most states require three years of continuous SR22 filing. A couple require only two. Here is what you need to know.

The Clock Starts at Reinstatement, Not Conviction

This is the detail that trips up a lot of drivers. Your SR22 period does not begin when you are convicted or when you lose your license. It begins on the date your driving privileges are officially reinstated. If your license is suspended for six months before you can reinstate, those six months do not count toward your SR22 requirement. The three-year period only starts once you are legally back on the road with SR22 in place.

This means it is in your interest to get SR22 filed and your license reinstated as quickly as possible. Every day you wait is a day that does not count toward completing your requirement.

Georgia is the exception. Georgia's SR22 clock starts at the date of conviction, not reinstatement, so the requirement period can be running before your license is even back.

SR22 Duration by State

Here are the SR22 durations for the 18 states we serve:

What Resets the SR22 Clock

A coverage lapse resets your SR22 period in most states. If your policy cancels for nonpayment, you switch carriers and there is a gap in coverage, or you simply let your policy expire, your insurance company notifies the state immediately. Your license is re-suspended, and your SR22 period starts over from zero.

This is the most expensive mistake SR22 drivers make. A single missed payment can add years to your total SR22 obligation. Set up autopay and keep your contact information updated with your carrier so you never miss a renewal notice.

How to Know When You Are Done

Your state DMV will typically send a letter or notice when your SR22 period is complete. Some states allow you to request confirmation in writing. Before canceling your SR22 policy, contact your state DMV directly to verify that your obligation is fulfilled. Do not rely solely on your carrier's records. The DMV is the authoritative source.

Once you receive confirmation, you can contact your carrier to remove the SR22 filing. Your premiums will likely drop significantly, since the high-risk surcharge is tied to the SR22 status.

Frequently Asked Questions