How Long Do You Need to Keep SR-22 Insurance?

An SR-22 is a certificate of financial responsibility that proves you have the minimum required auto liability insurance coverage mandated by your state. The length of time you need to maintain SR-22 insurance varies by state and the offense that led to the requirement.

Factors Influencing the Duration

SR-22-compliant auto insurance can be expensive, but failing to file on time can lead to license suspension, so it’s crucial to know precisely how long you must keep the SR-22 form on file with your state. Several factors can influence how long you need to keep SR-22-compliant insurance:

• Type of offense—More severe offenses, such as DUI or multiple traffic violations, typically result in longer SR-22 requirements.

• State regulations—Each state has its own rules and regulations regarding SR-22 insurance, so it’s important to check with your local DMV for specific requirements.

• Compliance with terms—Maintaining continuous coverage without lapses is crucial. Any interruption in your insurance can reset the clock on your SR-22 requirement.

Steps to Maintain SR-22 Insurance

To ensure you meet the SR-22 requirements, do the following:

• Keep your policy active—Avoid any lapses in coverage by paying your premiums on time. If your policy is canceled, your insurance company must notify the state, which could result in suspending your driving privileges.

• Monitor your status—Stay in touch with your insurance provider and the DMV to ensure you meet all requirements and determine when you can remove the SR-22 from your policy.

Before you stop filing SR-22, check with your state’s Department of Motor Vehicles to confirm that your SR-22 filing requirement is no longer applicable. They can provide official confirmation and update your driving record accordingly.

Contact Us

Contact Bosway Auto Insurance Group in Avondale, Arizona, for an auto insurance quote.