Understanding SR-22 Filing Periods: How Long Will You Need It

If you’ve been required to file an SR-22, you might wonder how long you’ll need to maintain this certification. The SR-22 form acts as proof of financial responsibility, ensuring that you have the minimum required auto insurance coverage. However, the duration for which you need to keep it varies based on several factors.

Why You Might Need an SR-22

An SR-22 is typically required after certain driving violations or events that affect your driving record. Here are common reasons for needing an SR-22:

• Serious —Multiple moving violations, such as reckless driving or excessive speeding, can trigger the need for an SR-22.

• Driving without insurance—If you’re caught operating a vehicle without valid insurance, you may be required to file an SR-22.

• License suspension—Having your license suspended due to serious offenses often leads to an SR-22 requirement for reinstatement. 

• DUI or DWI—If you’re convicted of driving under the influence, you’ll likely need to file an SR-22 to reinstate your driving privileges.

Typical SR-22 Filing Periods

The length of time you must maintain an SR-22 can vary, but the following are the most common scenarios:

• Three years—Most drivers are required to keep their SR-22 for a minimum of three years following the offense. This is the standard duration for many violations.

• Two years—In some cases, particularly for less severe offenses, you might need to maintain the SR-22 for only two years.

• Longer periods—If you have multiple violations or more severe offenses on your record, the SR-22 requirement could extend beyond three years. It’s essential to check with your state’s regulations for precise information.

Contact Us

Contact Universal Insurance Services in Chicago, Illinois, for an auto insurance quote.

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.