How Long Does an SR-22 Stay On Your Record?

​If you've been required to obtain an SR-22, it's essential to understand how long it will impact your driving record and insurance. An SR-22 is not actually insurance but rather a certificate of financial responsibility that proves you have the required liability coverage. It is typically mandated by state authorities, often following certain driving-related infractions. In this blog, we'll explain how long an SR-22 stays on your record and what you need to know about maintaining it.

1. Duration of an SR-22 Requirement:
The length of time you'll be required to maintain an SR-22 can vary depending on the reason for the requirement and your state's laws. Common reasons for needing an SR-22 include:

• DUI or DWI convictions
• Reckless driving offenses
• At-fault accidents without insurance
• Multiple traffic violations within a short period

Typically, SR-22 requirements last for three to five years, but this can vary by state and the severity of the offense. It's crucial to check your specific state's regulations and the terms set by your insurance company.

2. Maintaining Continuous Coverage:
To keep your SR-22 active, you must maintain continuous auto insurance coverage throughout the required period. Any lapse or cancellation of your policy during this time can lead to consequences such as license suspension or an extended SR-22 requirement.

3. SR-22 Filing Costs:
In addition to your regular insurance premiums, there is typically a filing fee associated with the SR-22 certificate. The cost can vary by state and insurer, but it's essential to budget for this additional expense.

4. Notify Your Insurance Provider:
When you're required to have an SR-22, it's essential to inform your insurance provider. Not all insurers offer SR-22 filings, so you may need to find a new provider or work with one that specializes in high-risk coverage.

5. SR-22 and Your Driving Record:
While the SR-22 requirement itself may last for a specific period, the associated infraction that led to it may remain on your driving record for more extended periods. This can impact your insurance rates and driving privileges even after the SR-22 period ends.

6. Steps to Regain a Clean Record:
If you're looking to improve your driving record and eventually remove the SR-22 requirement, consider the following steps:

• Maintain continuous insurance coverage without lapses.
• Drive safely and avoid further traffic violations or accidents.
• Complete any required rehabilitation programs or courses.
• Consult your state's Department of Motor Vehicles (DMV) for specific requirements and steps to regain a clean record.

In conclusion, an SR-22 requirement typically lasts for three to five years, but the exact duration depends on your state's laws and the reason for the requirement. It's crucial to maintain continuous insurance coverage and follow any necessary steps to improve your driving record. While an SR-22 may have a temporary impact on your record and insurance rates, taking responsible actions can help you get back on the road to a clean driving history.

At Elite Insurance Services, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you. Learn more about our products and services by calling our agency at (719) 302-1110. You can also request a free quote by CLICKING HERE. 

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​