SR-22: Step-by-Step Filing Checklist (Most States)
Need an SR-22 to reinstate your license? Use this fast checklist with accurate, 2025-ready info.
✅ Quick answer: An SR-22 is not insurance. It is a certificate your insurer files with the state to prove you carry at least the required liability coverage. Most insurers can e-file it once you bind a policy. Typical filing fees range $15 to $50 and the requirement often lasts about 3 years, depending on your state and violation. [ref]
What to prepare
Identity & records
- Government ID and driver license number
- Current address and any DMV or court reference numbers
- Suspension or reinstatement letter if you have one
Insurance details
- Your intended policy with state minimums or higher
- Vehicle info or non-owner selection if you do not own a car
- Payment method for premium and filing fee
Timing notes
- Many insurers e-file in 24–48 hours, some same day
- DMV posting time varies by state systems
- Bring printed ID cards and a declarations page to the DMV
Filing speed varies by carrier and state. [ref]
Steps
| Step | What to do | Why it matters |
|---|---|---|
| 1) Quote with SR-22 enabled | Ask the insurer to add an SR-22 filing to your quote | Only your insurer can file the certificate for you. [ref] |
| 2) Bind and pay the fee | Expect a filing fee around $15–$50 in most states | Covers the admin cost of filing with the DMV. [ref] |
| 3) Insurer e-files the SR-22 | They submit electronically to your state | Many carriers file within 24–48 hours, some the same day. [ref] |
| 4) Confirm with your DMV | Verify acceptance and the required duration | Many states require about 3 years, but it varies by state and offense. [ref] |
How long do you keep it
Typical duration
Many states require about 3 years, though rules range from roughly 1 to 5 years depending on state law and the violation. Always confirm your state’s exact term. [ref]
If your policy lapses
Insurers must notify the DMV of cancellations using an SR-26. Lapse can trigger suspension and may restart your SR-22 period. Avoid any gap. [ref]
Costs at a glance
| Item | Typical range | Notes |
|---|---|---|
| SR-22 filing fee | $15–$50 | Varies by state and insurer. Often added to the first term. [ref] |
| Insurance premium | Higher than standard policies | SR-22 drivers are rated higher risk. Shop multiple quotes. [ref] |
| State differences | FR-44 in FL and VA | FR-44 requires higher liability limits than SR-22. [ref] |
Avoid these mistakes
Lapse triggers an SR-26 notice and can suspend your license. Set autopay and reminders. [ref]
Ensure your legal name and mailing address match DMV records to avoid rejection.
Confirm your new insurer files the SR-22 before the old one cancels, or your clock can reset. [ref]
FAQs
What exactly is an SR-22 certificate
It is proof of financial responsibility that your insurer files with the state to verify you carry at least the required liability coverage. It is not a separate insurance policy. [ref]
How fast can my SR-22 be filed
Many insurers e-file within 24 to 48 hours, and some can submit same day. State systems may take additional time to show acceptance. [ref]
Do all states use SR-22
Most do. Florida and Virginia often require FR-44 for certain violations with higher limits. New York does not use SR-22. Always check your DMV site. [ref]
Can I file an SR-22 without owning a car
Yes. Ask for a non-owner policy with the SR-22 add-on if you do not have a vehicle. Confirm your state accepts it for your situation. [ref]
When the requirement ends, what should I do
Ask your insurer to file an SR-26 termination and confirm compliance with your DMV, then re-shop your policy. [ref]
Quick next steps
- Get a quote with the SR-22 filing added.
- Bind the policy and pay the $15–$50 filing fee. [ref]
- Ask your insurer to e-file and request confirmation. [ref]
- Verify acceptance with your DMV and note your required duration. [ref]
Related on our site
- Proof today: /instant-auto-insurance
- Non-owner coverage: /non-owner-car-insurance
- Temporary needs: /one-week-car-insurance