{
  "name": "SR-22 filing duration by US state \u2014 how long you must carry the certificate, quoted from the state DMV",
  "description": "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 \u2014 commonly two to five years \u2014 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 \u2014 Missouri sets two years after an accident judgment and three after a mandatory-insurance suspension \u2014 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'.",
  "url": "https://referencesource.org/sr22-filing-duration-by-state/",
  "licence": "unknown",
  "last_verified": "2026-08-31",
  "stale_after": "2027-08-31",
  "sources": [
    "https://www.dmv.ca.gov/portal/handbook/california-driver-handbook/financial-responsibility-insurance-requirements-and-collisions/",
    "https://dmv.colorado.gov/sites/dmv/files/documents/DR%202316%20Financial%20Responsibility%20Requirements.pdf",
    "https://dmv.colorado.gov/sr-22-and-insurance-information",
    "https://dor.mo.gov/faq/driver-license/mandatory-insurance.html",
    "https://www.flhsmv.gov/driver-licenses-id-cards/education-courses/dui-and-iid/dui-faqs/",
    "https://dds.georgia.gov/georgia-licenseid/violations-suspensions-revocations/violations-and-suspensions-faqs/no-proof-0",
    "https://www.ilsos.gov/content/dam/publications/pdf_publications/dsd_sr1.pdf",
    "https://dmv.nv.gov/dlsuspension.htm",
    "https://www.dps.texas.gov/section/driver-license/faq/section-9-sr-22-proof-financial-responsibility",
    "https://www.dmv.virginia.gov/businesses/insurance/frrequire",
    "https://dol.wa.gov/driver-licenses-and-permits/suspended-driver-license/types-driver-license-suspensions/financial-responsibility-sr-22"
  ],
  "records": [
    {
      "jurisdiction": "California",
      "certificate": "California Insurance Proof Certificate (SR 22/SR 1P)",
      "required_duration": "three years",
      "clock_start": "the last three years of the suspension",
      "requirement_trigger": "you are in a collision and do not have proper insurance coverage",
      "source_citation": "Section 10: Financial Responsibility, Insurance Requirements, and Collisions",
      "id": "california",
      "url": "https://referencesource.org/sr22-filing-duration-by-state/california/",
      "source": "https://www.dmv.ca.gov/portal/handbook/california-driver-handbook/financial-responsibility-insurance-requirements-and-collisions/",
      "source_quote": "You can get your driver\u2019s license back during the last three years of the suspension if you provide a California Insurance Proof Certificate (SR 22/SR 1P) and maintain it during the three-year period.",
      "verified_fields": [
        "certificate",
        "clock_start",
        "required_duration",
        "requirement_trigger",
        "source_citation"
      ],
      "derived_fields": [
        "jurisdiction"
      ]
    },
    {
      "jurisdiction": "Colorado",
      "certificate": "SR22",
      "required_duration": "three years",
      "clock_start": "restoration of your driving privileges",
      "requirement_trigger": "reinstatement of driving privileges after the effective date of a suspension under the Financial Responsibility Act",
      "lapse_consequence": "Your driver license will be suspended for that reason alone",
      "source_citation": "Financial Responsibility Requirements",
      "id": "colorado",
      "url": "https://referencesource.org/sr22-filing-duration-by-state/colorado/",
      "source": "https://dmv.colorado.gov/sites/dmv/files/documents/DR%202316%20Financial%20Responsibility%20Requirements.pdf",
      "source_quote": "Include an SR22 (future proof of automobile liability insurance from your insurance company) and maintain it continuously for three years following restoration of your driving privileges;",
      "verified_fields": [
        "certificate",
        "clock_start",
        "lapse_consequence",
        "required_duration",
        "requirement_trigger",
        "source_citation"
      ],
      "derived_fields": [
        "jurisdiction"
      ]
    },
    {
      "jurisdiction": "Missouri",
      "certificate": "SR-22",
      "required_duration": "three years",
      "clock_start": "the date you were eligible to reinstate",
      "suspension_type": "False Insurance or Mandatory Insurance",
      "requirement_trigger": "you were suspended for False Insurance or Mandatory Insurance",
      "source_citation": "FAQs - Mandatory Insurance",
      "id": "false-insurance-or-mandatory-insurance-missouri",
      "url": "https://referencesource.org/sr22-filing-duration-by-state/false-insurance-or-mandatory-insurance-missouri/",
      "source": "https://dor.mo.gov/faq/driver-license/mandatory-insurance.html",
      "source_quote": "If you were suspended for False Insurance or Mandatory Insurance, you must maintain insurance on file with the Driver License Bureau for three years from the date you were eligible to reinstate.",
      "verified_fields": [
        "certificate",
        "clock_start",
        "required_duration",
        "requirement_trigger",
        "source_citation",
        "suspension_type"
      ],
      "derived_fields": [
        "jurisdiction"
      ]
    },
    {
      "jurisdiction": "Florida",
      "certificate": "FR-44",
      "required_duration": "three years",
      "clock_start": "the date of reinstatement of their driving privilege",
      "requirement_trigger": "a DUI conviction that occurred after October 1, 2007",
      "source_citation": "DUI Frequently Asked Questions",
      "id": "florida",
      "url": "https://referencesource.org/sr22-filing-duration-by-state/florida/",
      "source": "https://www.flhsmv.gov/driver-licenses-id-cards/education-courses/dui-and-iid/dui-faqs/",
      "source_quote": "The customer must maintain the FR-44 form for three years from the date of reinstatement of their driving privilege.",
      "verified_fields": [
        "certificate",
        "clock_start",
        "required_duration",
        "requirement_trigger",
        "source_citation"
      ],
      "derived_fields": [
        "jurisdiction"
      ]
    },
    {
      "jurisdiction": "Georgia",
      "certificate": "SR-22/SR-22A",
      "required_duration": "3 years",
      "clock_start": "the conviction date",
      "requirement_trigger": "convicted of a second or more 'No Insurance' citation",
      "lapse_consequence": "this will result in the cancellation of your driver's license",
      "source_citation": "No Proof of Insurance Multiple",
      "id": "georgia",
      "url": "https://referencesource.org/sr22-filing-duration-by-state/georgia/",
      "source": "https://dds.georgia.gov/georgia-licenseid/violations-suspensions-revocations/violations-and-suspensions-faqs/no-proof-0",
      "source_quote": "Driver must maintain an SR-22/SR-22A \"Non-Owners\" Insurance Policy for 3 years from the conviction date. You will prepay in full each 6-months.",
      "verified_fields": [
        "certificate",
        "clock_start",
        "lapse_consequence",
        "required_duration",
        "requirement_trigger",
        "source_citation"
      ],
      "derived_fields": [
        "jurisdiction"
      ]
    },
    {
      "jurisdiction": "Illinois",
      "certificate": "SR-22 Certificate",
      "required_duration": "36 months (three years)",
      "requirement_trigger": "required to file proof of financial responsibility by Illinois law",
      "source_citation": "Proof of Financial Responsibility \u2014 SR-22",
      "id": "illinois",
      "url": "https://referencesource.org/sr22-filing-duration-by-state/illinois/",
      "source": "https://www.ilsos.gov/content/dam/publications/pdf_publications/dsd_sr1.pdf",
      "source_quote": "The SR-22 Certificate must be maintained for 36 months (three years).",
      "verified_fields": [
        "certificate",
        "required_duration",
        "requirement_trigger",
        "source_citation"
      ],
      "derived_fields": [
        "jurisdiction"
      ]
    },
    {
      "jurisdiction": "Missouri",
      "certificate": "SR-22",
      "required_duration": "two years",
      "clock_start": "the starting date of the suspension",
      "suspension_type": "Motor Vehicle Accident Judgment",
      "requirement_trigger": "you were suspended for a Motor Vehicle Accident Judgment (Missouri or Out-of-State)",
      "source_citation": "FAQs - Mandatory Insurance",
      "id": "motor-vehicle-accident-judgment-missouri",
      "url": "https://referencesource.org/sr22-filing-duration-by-state/motor-vehicle-accident-judgment-missouri/",
      "source": "https://dor.mo.gov/faq/driver-license/mandatory-insurance.html",
      "source_quote": "If you were suspended for a Motor Vehicle Accident Judgment (Missouri or Out-of-State), you must maintain insurance on file with the Driver License Bureau for two years from the starting date of the suspension.",
      "verified_fields": [
        "certificate",
        "clock_start",
        "required_duration",
        "requirement_trigger",
        "source_citation",
        "suspension_type"
      ],
      "derived_fields": [
        "jurisdiction"
      ]
    },
    {
      "jurisdiction": "Nevada",
      "certificate": "SR-22",
      "required_duration": "3 years",
      "clock_start": "upon reinstatement of your Nevada driver's license",
      "requirement_trigger": "your issue relates DUI, revocation, accident, lapse of SR-22, lapse of insurance",
      "lapse_consequence": "the suspension of your license and will restart the three-year requirement",
      "source_citation": "Suspensions/Revocations & Reinstatement",
      "id": "nevada",
      "url": "https://referencesource.org/sr22-filing-duration-by-state/nevada/",
      "source": "https://dmv.nv.gov/dlsuspension.htm",
      "source_quote": "Keep It for 3 Years Failure to maintain continuous SR-22 coverage will result in the suspension of your license and will restart the three-year requirement. The three-year SR-22 requirement begins upon reinstatement of your Nevada driver's license. Do not obtain an SR-22 before reinstatement, as it will not count toward the requirement.",
      "verified_fields": [
        "certificate",
        "clock_start",
        "lapse_consequence",
        "required_duration",
        "requirement_trigger",
        "source_citation"
      ],
      "derived_fields": [
        "jurisdiction"
      ]
    },
    {
      "jurisdiction": "Texas",
      "certificate": "SR-22",
      "required_duration": "two years",
      "clock_start": "the date of your most recent conviction, or the date that a judgement has been rendered against you",
      "requirement_trigger": "Driving While Intoxicated, Drug Offenses, Driving While License Invalid, and multiple convictions for No Motor Vehicle Liability Insurance",
      "lapse_consequence": "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",
      "source_citation": "Section 9: SR-22 (Proof of Financial Responsibility)",
      "id": "texas",
      "url": "https://referencesource.org/sr22-filing-duration-by-state/texas/",
      "source": "https://www.dps.texas.gov/section/driver-license/faq/section-9-sr-22-proof-financial-responsibility",
      "source_quote": "You must maintain a valid SR-22 for two years from the date of your most recent conviction, or the date that a judgement has been rendered against you.",
      "verified_fields": [
        "certificate",
        "clock_start",
        "lapse_consequence",
        "required_duration",
        "requirement_trigger",
        "source_citation"
      ],
      "derived_fields": [
        "jurisdiction"
      ]
    },
    {
      "jurisdiction": "Virginia",
      "certificate": "SR-22",
      "required_duration": "three years",
      "requirement_trigger": "the motor vehicle is subsequently found to be uninsured",
      "source_citation": "Financial Responsibility Requirements",
      "id": "virginia",
      "url": "https://referencesource.org/sr22-filing-duration-by-state/virginia/",
      "source": "https://www.dmv.virginia.gov/businesses/insurance/frrequire",
      "source_quote": "These items are suspended until the person: Pays a $600 non-compliance fee Furnishes and maintains proof of financial responsibility (form SR-22) for three years Pays a reinstatement fee, if applicable",
      "verified_fields": [
        "certificate",
        "required_duration",
        "requirement_trigger",
        "source_citation"
      ],
      "derived_fields": [
        "jurisdiction"
      ]
    },
    {
      "jurisdiction": "Washington",
      "certificate": "SR-22",
      "required_duration": "3 years",
      "clock_start": "the date you're eligible to reinstate your license",
      "requirement_trigger": "Been convicted of, or forfeited bail for, certain offenses. Failed to pay judgments. Driven or owned a vehicle involved in an accident.",
      "source_citation": "Financial responsibility (SR-22)",
      "id": "washington",
      "url": "https://referencesource.org/sr22-filing-duration-by-state/washington/",
      "source": "https://dol.wa.gov/driver-licenses-and-permits/suspended-driver-license/types-driver-license-suspensions/financial-responsibility-sr-22",
      "source_quote": "How long do I have to provide proof of financial responsibility? In most cases, 3 years from the date you're eligible to reinstate your license.",
      "verified_fields": [
        "certificate",
        "clock_start",
        "required_duration",
        "requirement_trigger",
        "source_citation"
      ],
      "derived_fields": [
        "jurisdiction"
      ]
    }
  ]
}