Short answer: An SR-22 is not insurance. It's a form your insurance company files with the state to prove you carry at least the minimum liability coverage, and it tells the state if your policy lapses. In most of the states below it lasts 3 years, but Texas uses 2 years and Ohio now uses 1 year for insurance non-compliance. Florida and Virginia also use an FR-44 after a DUI, which requires higher limits. This table lists each rule with a link to the official source.
The table
| State | Form | How long | Common reasons | Source | Guide |
|---|---|---|---|---|---|
| Arizona | SR-22 | 3 years from the end of the suspension or revocation, or from reinstatement eligibility, depending on the violation; judgments: the judgment term plus 2 years after it's paid | Certain traffic convictions; not keeping liability insurance on a vehicle you own | Arizona MVD: Future Financial Responsibility | Guide |
| California | SR-22 (or SR-1P in some cases) | 3 years after reinstatement for DUI-related suspensions | DUI (including admin per se) suspensions; uninsured crashes; negligent-operator actions | California DMV: SR 104 and APS fact sheet | Guide |
| Colorado | SR-22 | Generally 3 years from the date last required; a first DUI/DWAI with no crash only as long as the license is restrained, up to 3 years | DUI/DWAI, revocations and other restraints | C.R.S. §42-7-408 | Guide |
| Florida | SR-22; FR-44 after DUI | 3 years. After a DUI, FR-44 with at least $100,000/$300,000/$50,000 liability for 3 years from reinstatement | DUI (FR-44); certain suspensions and revocations (SR-22) | Fla. Stat. ch. 324 (§324.023) | — |
| Georgia | SR-22 (SR-22A for repeat no-insurance) | 3 years from the conviction date for DUI suspensions | DUI; second or later no-insurance convictions | Georgia DDS Rule 375-3-3-.24 | Guide |
| Illinois | SR-22 | 3 years (36 months) | Safety responsibility and unsatisfied judgment suspensions, revocations, and 3 or more no-insurance convictions | Illinois Secretary of State: SR-22 | Guide |
| Nevada | SR-22 | 3 years when insurance lapsed 91 days or more (shorter lapses: fees and fines, no SR-22 in most cases) | Insurance lapses; other suspensions | Nevada DMV: Insurance | Guide |
| Ohio | SR-22 or bond | 1 year for insurance non-compliance offenses added on or after April 9, 2025 (older offenses: 3 or 5 years) | Insurance non-compliance | Ohio BMV: Non-compliance suspension | Guide |
| Oregon | SR-22 | Usually 3 years, counted from reinstatement for suspensions recorded since July 3, 2020; 1 year after an uninsured crash or a driving-uninsured conviction | DUII, uninsured crash, driving uninsured, hardship permits | OAR 735-050-0100 | Guide |
| Texas | SR-22 | 2 years from the most recent conviction or judgment | Crash-related suspensions, a second or later no-insurance conviction, civil judgments | Texas DPS: SR-22 FAQ | — |
| Virginia | SR-22; FR-44 after DUI | 3 years. FR-44 limits are double the SR-22 limits | Uninsured-vehicle violations (with a $600 fee); DUI and related offenses (FR-44) | Virginia DMV: Financial Responsibility Certifications | Guide |
| Washington | SR-22 (or a $60,000 deposit or bond) | In most cases 3 years from the date you're eligible to reinstate | Certain convictions, unpaid judgments, some crashes | Washington DOL: Financial responsibility (SR-22) | Guide |
We list only states where we confirmed the rule on the official DMV, statute or regulator page in October 2026. Other states have their own rules, and a few don't use the SR-22 form at all. Your suspension notice says exactly what you need and for how long.
How an SR-22 works
- You buy a policy that meets your state's minimum liability limits (FR-44 states require higher limits after a DUI).
- The insurer files the form with the DMV. You can't file it yourself.
- If the policy lapses or is canceled, the insurer tells the DMV, usually with an SR-26, and your license can be suspended again. In some states the clock starts over.
- No car? You can usually get a non-owner policy with an SR-22.
- Moving? You generally still owe the filing to the state that ordered it until the period ends.
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Methodology
Each row was checked against the official DMV page, statute or rule linked in the Source column in October 2026. Periods can depend on the offense and on when it was recorded, so check your own notice. This is general information, not legal advice. See also our car insurance minimums by state table and the state insurance rules hub.
Frequently asked questions
Is an SR-22 a type of insurance?
No. It's a certificate your insurer files with the state to prove you have at least the minimum liability coverage.
How long do I need an SR-22?
It depends on the state and the offense. Of the states in our table, most use 3 years, Texas uses 2 years, and Ohio uses 1 year for insurance non-compliance offenses added since April 9, 2025.
What is an FR-44?
A form used in Florida and Virginia, mainly after a DUI. It requires higher liability limits than an SR-22: at least $100,000/$300,000/$50,000 in Florida, and double the SR-22 limits in Virginia.
What happens if my SR-22 policy lapses?
Your insurer notifies the state, and your license can be suspended again. In some states, such as Nevada, the required period can start over.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. Not legal, tax or financial advice, and not a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.