How Long Do You Need SR-22 Coverage?

The duration of SR-22 coverage varies by state and individual circumstances, but it typically lasts about three years. This period is set by the state and is intended to ensure that high-risk drivers maintain continuous insurance coverage. During this time, your insurance company will file the SR-22 form with the state to confirm your liability coverage.

It’s important to note that the three-year period is a general guideline. Depending on the severity of the offense that led to the SR-22 requirement, the duration could be longer or shorter. For example, a driver with multiple offenses or a serious violation like a DUI might be required to maintain SR-22 coverage for longer.

What Factors Influence SR-22 Duration?

Several factors can influence how long you need SR-22 coverage. These include:

• Type of offense—More severe offenses typically result in longer SR-22 periods.

• State regulations—Each state has regulations regarding SR-22 coverage. Some states require an SR-22 for a minimum of two years, while others may extend it to five years or more.

• Compliance with requirements—Maintaining continuous coverage without any lapses is crucial. If your SR-22 coverage lapses or is canceled, the state may impose additional penalties, including extending the SR-22 requirement.

• Driving record—Your overall driving record can also impact the duration of SR-22 coverage. A clean driving record during the SR-22 period may help you fulfill the requirement without extensions, while additional violations could result in prolonged SR-22 status.

What Happens After the SR-22 Period?

Once you have fulfilled the SR-22 requirement, you may be able to transition back to a standard auto insurance policy without the SR-22 designation. However, it’s important to continue maintaining the state-required coverage.

Your insurance rates may be higher during the SR-22 period due to the high-risk designation. After the SR-22 requirement is lifted, you may see a reduction in your premiums, provided you maintain a clean driving record.

Learn More

Contact National Premier Insurance for more information about SR-22-compliant auto insurance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.