State directory · 50 states
SR-22 insurance state by state
What an SR-22 costs, how long you have to carry it and who you file it with all change at the state line. Pick yours below, or call and a specialist will tell you what applies to you.
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What your state decides
Minimum liability limitsYour state
How long you must carry itYour state
Which agency it goes toYour state
Who files the SR-22A licensed carrier
Every figure on a state page is the state's, not ours
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Directory
Every state, alphabetically
Each page carries that state's minimum liability limits, how long the filing has to stay in place, the state fee, and the agency it goes to.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Before you pick a state
What actually changes at the state line
The answers below are read straight from the same record the fifty state pages publish, so this page and those pages cannot tell you different things.
- Does every state use the SR-22?
- No, and this is the first thing worth checking. New Jersey, New Mexico, New York and North Carolina do not use the certificate at all, and drivers there prove financial responsibility another way. Florida and Virginia use the FR-44 instead of the SR-22 for alcohol-related convictions, which demands higher liability limits than an ordinary policy. Everywhere else the SR-22 is the form, and your state's page says which applies.
- How long will I have to carry it?
- Three years is the common answer: 39 of the 46 states that use the certificate set it at three. Iowa, Missouri and Texas set two. A few set the term per offence rather than statewide, so the same conviction can carry six months in one case and three years in another, which is why your state's page carries the figure and this page does not. The clock also runs from the date the state accepts the filing, not from the date you buy the policy.
- Do the liability limits really differ that much by state?
- Enough to change the price. Across the states that use the SR-22 our record holds 16 different minimum-liability combinations, from Pennsylvania's 15/30/5 up to 50/100/25. The state minimum is the floor your premium is built on, so the same driver with the same violation is quoted differently either side of a state line. That is most of what people mean when they say an SR-22 is expensive in a particular state.
- What is an SR-22A, and would I know if I needed one?
- Used primarily in Georgia, Missouri, and Texas for repeat offenders. It often requires premiums to be paid 6 months in advance. You would know because the notice from the state names the form, which is worth reading closely: a carrier that files a standard SR-22 where the state asked for an SR-22A has not satisfied the requirement, and the suspension stays in place.
- I got the violation in one state and I live in another. Which rules apply?
- The rules of the state that ordered the filing, not the state you live in. Your certificate has to satisfy that state, at that state's limits, and a carrier licensed where you now live files it back to the ordering state. Moving does not shorten the term or lower the limits, and a filing that lapses because of a move is treated like any other lapse.
- Does the state charge me anything beyond the insurance?
- Usually yes, and it is not on the insurance bill. The reinstatement fee is paid directly to the DMV or the court rather than to the insurer, commonly $100 to $500 depending on the state and the violation. The carrier's own filing fee, the small one, is separate again. Your state's page carries what our record holds for that state, and says so where nothing is published.
- Which agency does the filing actually go to?
- It depends where you are, and it is not always a DMV. Our record holds 21 different agency names across the fifty states: 22 are a DMV, and the rest include an MVD, a BMV, a DPS, a Secretary of State, PennDOT and Service Oklahoma. Each state page names the one that applies. Only 8 of the fifty have been checked against that state's own published material so far, and where a state has not been checked the page says so rather than presenting a guess as a fact.
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Leave your number and a specialist licensed in your state will call you back with the limits, the filing period and the fee your state actually requires, rather than a national average.
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Not sure what your state asks for?
A specialist can tell you what applies where you live and match you with a carrier licensed there. Your certificate is filed electronically by the agent, so it reaches the DMV the same day in most states.
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