Your court or DMV notice says SR-22, and the first question is how long do you need SR-22 on file. Call now and a licensed agent reads that notice free, then quotes and files your SR-22 today.
The usual three years
Three years is the most common period, but each state sets its own start date. Illinois says three years. Nebraska requires three years for point revocations, no-proof convictions and court-ordered revocations.
Wisconsin counts three years from the date you become eligible to reinstate. Texas counts two years from your latest conviction or judgment date, not the filing date. File one year late in Texas and you have one more year to go.
Your state
The table shows the period each state sets. On the call, your agent confirms your exact end date.
| State | How long | Reinstatement fee | Minimum liability |
|---|---|---|---|
| Alabama | on your notice | $100 | $25,000 / $50,000 / $25,000 |
| Alaska | 3 years | $100 | $50,000 / $100,000 / $25,000 |
| Arizona | 3 years | $20 | $25,000 / $50,000 / $15,000 |
| Arkansas | on your notice | on your notice | $25,000 / $50,000 / $25,000 |
| California | 3 years | $125 | $30,000 / $60,000 / $15,000 |
| Colorado | nine months to three years | $95 | $25,000 / $50,000 / $15,000 |
| Connecticut | 12 months before you can ask for removal | $175 | $25,000 / $50,000 / $25,000 |
| Delaware | on your notice | $50 | $25,000 / $50,000 / $10,000 |
| District of Columbia | 3 years | $115 | $25,000 / $50,000 / $10,000 |
| Florida | 3 years | $150 | $100,000 / $300,000 / $50,000 |
| Georgia | 3 years | $300 | $25,000 / $50,000 / $25,000 |
| Hawaii | 3 years | on your notice | $40,000 / $80,000 / $20,000 |
| Idaho | 3 years | $285 | $25,000 / $50,000 / $15,000 |
| Illinois | 3 years | $100 | $25,000 / $50,000 / $20,000 |
| Indiana | 180 consecutive days, insurance suspension | on your notice | $25,000 / $50,000 / $25,000 |
| Iowa | 2 years | $20 | $20,000 / $40,000 / $15,000 |
| Kansas | 1 year | $100 | $25,000 / $50,000 / $25,000 |
| Kentucky | on your notice | $40 | $25,000 / $50,000 / $25,000 |
| Louisiana | 3 years | $100 | $15,000 / $30,000 / $25,000 |
| Maine | 3 years | $50 | $50,000 / $100,000 / $25,000 |
| Maryland | on your notice | $90 | $30,000 / $60,000 / $15,000 |
| Massachusetts | on your notice | $100 to $1,200 | $25,000 / $50,000 / $30,000 |
| Michigan | on your notice | $125 | $50,000 / $100,000 / $10,000 |
| Minnesota | one calendar year | $30 to $680 | $30,000 / $60,000 / $10,000 |
| Mississippi | 3 years | $175 | $25,000 / $50,000 / $25,000 |
| Missouri | two or three years | $20 | $25,000 / $50,000 / $25,000 |
| Montana | 3 years | $100 | $25,000 / $50,000 / $20,000 |
| Nebraska | 3 years | $125 | $25,000 / $50,000 / $25,000 |
| Nevada | 3 years | $75 | $25,000 / $50,000 / $20,000 |
| New Hampshire | 3 years | $100 | $25,000 / $50,000 / $25,000 |
| New Mexico | on your notice | $102 | $25,000 / $50,000 / $10,000 |
| North Carolina | 3 years | $83.50 | $50,000 / $100,000 / $50,000 |
| North Dakota | 1 year | $50 to $100 | $25,000 / $50,000 / $25,000 |
| Ohio | 1 year | $40 | $25,000 / $50,000 / $25,000 |
| Oregon | 3 years | $85 | $25,000 / $50,000 / $20,000 |
| Pennsylvania | on your notice | $119 | $15,000 / $30,000 / $5,000 |
| Rhode Island | on your notice | $153.50 | $25,000 / $50,000 / $25,000 |
| South Carolina | 3 years | $100 | $25,000 / $50,000 / $25,000 |
| South Dakota | 3 years | $75 to $225 | $25,000 / $50,000 / $25,000 |
| Tennessee | the length of the suspension or revocation | on your notice | $25,000 / $50,000 / $25,000 |
| Texas | 2 years | $100 | $30,000 / $60,000 / $25,000 |
| Utah | 3 years | $40 | $30,000 / $65,000 / $25,000 |
| Vermont | 3 years | $96 | $25,000 / $50,000 / $10,000 |
| Virginia | 3 years | $600 | $50,000 / $100,000 / $25,000 |
| Washington | 3 years | $75 to $170 | $25,000 / $50,000 / $10,000 |
| Wisconsin | 3 years | $60 | $25,000 / $50,000 / $10,000 |
| Wyoming | 3 years | $50 | $25,000 / $50,000 / $20,000 |
What restarts the clock
A lapse is the big one. If the policy cancels, the insurer tells the state and you are suspended again.
- Missing a payment, even by a few days.
- Switching insurers without filing the new SR-22 first.
- A new conviction that requires its own SR-22.
Texas says a new SR-22 conviction can extend the period, and a lapse there brings a $100 reinstatement fee. Illinois keeps you suspended until the filing is reinstated, and asks you to renew at least 45 days in advance.
Set the payment to automatic and put the end date in your phone. If a payment slipped, call now and get a new filing in today.
Getting it removed
The filing ends on its own date. Before anything changes, your agent confirms the requirement is over and the record shows it.
Only then does the filing come off. Keep the policy itself, because you still need regular liability insurance to drive. Your agent also tells you when the surcharge ends.