11 records
How long do I have to carry SR-22 insurance?
11 records covering 10 states, one fact each. Every value is transcribed from the source that states it and carries the sentence it was taken from: 11 sources across 10 sites, last checked 2026-08-31, due for re-check by 2027-08-31. Every record is listed below, each linking the page its value came from.
About this data
An SR-22 (or the higher-limit FR-44 some states substitute after a DUI) is a certificate an insurer files with the state proving a driver carries the mandated coverage, and states differ both in how long the filing must run — commonly two to five years — and in what restarts the clock, such as a lapse in coverage or a new conviction. Every existing comparison of this figure is an insurance agency's marketing page, none of which cite the state DMV statute or page a figure is drawn from, so a reader has no way to check a number against its source. Each record is one state, with the required filing duration, what starts the clock (conviction date, reinstatement date, or judgment date), which suspension the duration applies to, what happens if coverage lapses during that period, and the DMV page or statute it comes from, backed by a verbatim quote. A state whose own agency states more than one duration — Missouri sets two years after an accident judgment and three after a mandatory-insurance suspension — gets one record per duration rather than a single averaged answer. Answers 'how long do I need an SR-22' and 'when does my SR-22 requirement end'.
The data
| State | Certificate the state requires | Required filing duration | What starts the clock | What triggers the requirement | DMV page or statute | Consequence of a lapse | Suspension this applies to |
|---|---|---|---|---|---|---|---|
| California | California Insurance Proof Certificate (SR 22/SR 1P) | three years | the last three years of the suspension | you are in a collision and do not have proper insurance coverage | Section 10: Financial Responsibility, Insurance Requirements, and Collisions | ||
| Colorado | SR22 | three years | restoration of your driving privileges | reinstatement of driving privileges after the effective date of a suspension under the Financial Responsibility Act | Financial Responsibility Requirements | Your driver license will be suspended for that reason alone | |
| Missouri | SR-22 | three years | the date you were eligible to reinstate | you were suspended for False Insurance or Mandatory Insurance | FAQs - Mandatory Insurance | False Insurance or Mandatory Insurance | |
| Florida | FR-44 | three years | the date of reinstatement of their driving privilege | a DUI conviction that occurred after October 1, 2007 | DUI Frequently Asked Questions | ||
| Georgia | SR-22/SR-22A | 3 years | the conviction date | convicted of a second or more 'No Insurance' citation | No Proof of Insurance Multiple | this will result in the cancellation of your driver's license | |
| Illinois | SR-22 Certificate | 36 months (three years) | required to file proof of financial responsibility by Illinois law | Proof of Financial Responsibility — SR-22 | |||
| Missouri | SR-22 | two years | the starting date of the suspension | you were suspended for a Motor Vehicle Accident Judgment (Missouri or Out-of-State) | FAQs - Mandatory Insurance | Motor Vehicle Accident Judgment | |
| Nevada | SR-22 | 3 years | upon reinstatement of your Nevada driver's license | your issue relates DUI, revocation, accident, lapse of SR-22, lapse of insurance | Suspensions/Revocations & Reinstatement | the suspension of your license and will restart the three-year requirement | |
| Texas | SR-22 | two years | the date of your most recent conviction, or the date that a judgement has been rendered against you | Driving While Intoxicated, Drug Offenses, Driving While License Invalid, and multiple convictions for No Motor Vehicle Liability Insurance | Section 9: SR-22 (Proof of Financial Responsibility) | your driver license and/or driving privilege would be re-suspended and a new SR-22 and a $100 reinstatement fee would be required to reinstate your driver license | |
| Virginia | SR-22 | three years | the motor vehicle is subsequently found to be uninsured | Financial Responsibility Requirements | |||
| Washington | SR-22 | 3 years | the date you're eligible to reinstate your license | Been convicted of, or forfeited bail for, certain offenses. Failed to pay judgments. Driven or owned a vehicle involved in an accident. | Financial responsibility (SR-22) |
Where this came from
Every record above links the page it was taken from and quotes the sentence that states it. These are the 11 sources this dataset was assembled from.
- dmv.ca.govhttps://www.dmv.ca.gov/portal/handbook/california-driver-handbook/financial-responsibility-insurance-requirements-and-collisions/
- dmv.colorado.govhttps://dmv.colorado.gov/sites/dmv/files/documents/DR%202316%20Financial%20Responsibility%20Requirements.pdf
- dmv.colorado.govhttps://dmv.colorado.gov/sr-22-and-insurance-information
- dor.mo.govhttps://dor.mo.gov/faq/driver-license/mandatory-insurance.html
- flhsmv.govhttps://www.flhsmv.gov/driver-licenses-id-cards/education-courses/dui-and-iid/dui-faqs/
- dds.georgia.govhttps://dds.georgia.gov/georgia-licenseid/violations-suspensions-revocations/violations-and-suspensions-faqs/no-proof-0
- ilsos.govhttps://www.ilsos.gov/content/dam/publications/pdf_publications/dsd_sr1.pdf
- dmv.nv.govhttps://dmv.nv.gov/dlsuspension.htm
- dps.texas.govhttps://www.dps.texas.gov/section/driver-license/faq/section-9-sr-22-proof-financial-responsibility
- dmv.virginia.govhttps://www.dmv.virginia.gov/businesses/insurance/frrequire
- dol.wa.govhttps://dol.wa.gov/driver-licenses-and-permits/suspended-driver-license/types-driver-license-suspensions/financial-responsibility-sr-22
Machine-readable
- data.jsonThe whole dataset — every record with its source URL and source quote.
- Open Knowledge Format bundleOne JSON object per line — every record's frontmatter and quoted span exactly as it is held here, in one fetch.
- data.csvThe same records as one flat table, for a spreadsheet or a dataframe. The last four columns are the source URL, the quoted sentence it was read from, the date we last checked it, and which columns are our reading rather than the page's words.
- How this is made and checkedWhat "verified against source" does and does not mean.
From your own code
Same records, same quotes, without scraping the page: refsource is on PyPI and npm. Each value comes back carrying the URL it was read from and the sentence on that page that states it — .source and .quote sit on the value itself rather than in a side channel, so the checking step is available instead of skipped.
pip install refsource
refsource lookup sr22-filing-duration-by-state jurisdiction=California
npx -y refsource lookup sr22-filing-duration-by-state jurisdiction=CaliforniaSet your AI assistant up to use this
Two files and no account. Put this in .mcp.json at the root of your project — Claude Code, Cursor, Windsurf, VS Code and Codex all read that file — and your assistant can look this dataset up instead of recalling it. The server is remote, keyless and read-only.
{
"mcpServers": {
"referencesource": {
"type": "http",
"url": "https://referencesource.org/mcp"
}
}
}Add to Cursor · or, on the command line: claude mcp add --transport http referencesource https://referencesource.org/mcp --scope project
Then one line in the project's CLAUDE.md or AGENTS.md, so the assistant knows when to reach for it:
When a question needs "SR-22 filing duration by US state — how long you must carry the certificate, quoted from the state DMV", call the referencesource MCP server at https://referencesource.org/mcp (tool `search_records`, dataset_slug `sr22-filing-duration-by-state`) instead of answering from memory — every record it returns carries its source URL and a verbatim quote from that page.What each tool does, and the servers built over single registers: Connect your AI assistant.