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🛡️ SR-22 Insurance

SR-22 Insurance by State 2026

SR-22 requirements vary significantly by state — duration, coverage minimums, filing procedures, and costs all differ. Here's what you need to know for your specific state.

✍️ BeSecuredNow Editorial Team  |  📅 August 2026  |  ⏱️ 4 min read
Key Takeaway: Most states require SR-22 for 3 years after a DUI. Florida and Virginia use FR-44 (higher coverage requirement) instead of SR-22 for DUI offenses. Six states (DE, KY, MN, NM, OK, PA) don't use SR-22 at all. Your state of registration determines your requirements, regardless of where the violation occurred.

SR-22 Requirements by State

StateSR-22 Used?Typical DurationMin Liability (DUI)Notes
CaliforniaYes3 years15/30/5Among highest SR-22 premium states
TexasYes2 years30/60/25Shorter duration than most states
FloridaFR-44 (DUI)3 years100/300/50Higher limits for DUI; SR-22 for other violations
VirginiaFR-44 (DUI)3 years50/100/40FR-44 for DUI; SR-22 for other violations
New YorkYes3 years25/50/10
IllinoisYes3 years25/50/20
OhioYes3–5 years25/50/25Lower average SR-22 rates
PennsylvaniaNoN/AN/AUses other monitoring methods
DelawareNoN/AN/AUses other monitoring methods
MinnesotaNoN/AN/AUses other monitoring methods

States with FR-44 Instead of SR-22

Florida and Virginia use FR-44 for DUI-related offenses — this requires significantly higher minimum liability coverage than a standard SR-22:

  • Florida FR-44: 100/300/50 ($100K per person, $300K per accident, $50K property) vs standard 10/20/10 SR-22
  • Virginia FR-44: 50/100/40 vs standard 25/50/20 SR-22

The higher coverage requirements mean FR-44 policies cost significantly more than standard SR-22 policies in these states. For non-DUI violations in FL and VA, standard SR-22 still applies.

States That Don't Use SR-22

Delaware, Kentucky, Minnesota, New Mexico, Oklahoma, and Pennsylvania do not require SR-22 filings. These states use alternative means of monitoring high-risk drivers. However, if you committed a violation in another state that uses SR-22, you may still need to file there even if you now live in a non-SR-22 state.

Frequently Asked Questions

I had a DUI in California but live in Texas — where do I file SR-22?

You typically need to file in both states — California (where the violation occurred) may require an SR-22 to reinstate your California driving privileges, and Texas may require one because your current license is Texas-issued. Consult both states' DMVs for your specific situation.

Can I move to a state that doesn't use SR-22 to avoid the requirement?

No — the SR-22 requirement follows the violation, not your residence. Your original state still requires the filing to reinstate that state's driving privileges. Moving to Pennsylvania doesn't remove a California SR-22 requirement. You'll need to satisfy each state's requirements independently.

How do I find my specific state's SR-22 requirements?

Contact your state's Department of Motor Vehicles directly — most have online portals where you can check your license status and any pending requirements. Your court order (if from a criminal proceeding) will also specify the exact SR-22 filing requirements. Your insurance agent can confirm requirements once you provide your DMV notice.

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Advertiser Disclosure: BeSecuredNow receives compensation from insurance partners. This does not influence our editorial ratings. SR-22 requirements vary by state and violation type.