How Do I Get Rid of My SR22? Here's the Process

If you’ve been driving for a while, you may have heard of an SR22 filing. An SR22 is a form filed with your state’s Department of Motor Vehicles that… If you’ve been driving for a while, you may have heard of an SR22 filing. An SR22 is a form filed with your state’s Department of Motor Vehicles that …

If you’ve been driving for a while, you may have heard of an SR22 filing.

An SR22 is a form filed with your state’s Department of Motor Vehicles that proves you have the minimum liability auto insurance coverage required by law.

SR22 filings are required for drivers with a history of traffic violations, license suspensions, or DUI offenses to help ensure they maintain coverage.

While an SR22 filing can be frustrating, the good news is that it is possible to get rid of an SR22 requirement over time by demonstrating responsible driving behavior.

The process typically takes 3 to 5 years of maintaining a clean driving record, but by following the proper steps, you can get back to standard insurance and put the SR22 requirement behind you.

Here is what you need to know to cancel your SR22 filing.

What Is an SR22 Insurance Policy?

An SR22 insurance policy is a form of high-risk auto insurance for drivers in certain states who have committed serious traffic violations or accidents.

To have your SR22 requirement removed, you must meet your state's requirements to reinstate your regular license and insurance.

Eligibility for SR22 Removal

To be eligible to drop your SR22 requirement, you must:

  1. Complete the required time period mandated by your state, typically 1-5 years with no new violations.

    This proves you are now a responsible driver.

  2. Pay any necessary reinstatement fees to restore your regular driver's license.

    Fees vary by state but average $200-$500.

  3. Provide proof of continuous insurance coverage for the required time period.

    Lapse in coverage will restart the SR22 requirement time period.

  4. Meet any other conditions imposed by the court, such as completing a defensive driving course.

The Removal Process

Once you meet the eligibility criteria, you can start the removal process:

  1. Contact your insurance company and request cancelation of your SR22 policy.

    They will check if you qualify based on your state's requirements.

  2. If eligible, your insurer will file a cancelation of the SR22 with the Department of Motor Vehicles (DMV).

    This typically takes 3-5 business days.

  3. Check with your DMV to confirm cancelation of the SR22 requirement on your driving record.

    You may need to pay a small fee for a driving record report.

  4. Shop for a standard auto insurance policy.

    Since you now qualify for regular insurance, you can find more affordable coverage.

With time and responsible actions, you can eliminate an SR22 requirement.

Following the proper steps to have it removed from your driving record will allow you to regain a regular driver's license and insurance.

Staying violation-free going forward will help ensure it does not become required again in the future.

Why Did I Get an SR22 Requirement in the First Place?

To understand how to remove an SR22 requirement, you must first comprehend why you received one in the first place.

Driving violations or at-fault accidents

If you were convicted of a serious driving violation like DUI or reckless driving, or were at fault in an accident, the court likely ordered you to file an SR22 as proof of insurance for a mandated time period, typically 3-5 years.

The SR22 helps ensure you carry insurance during this high-risk time.

Once the mandated time period has elapsed with no further violations or at-fault accidents, you are generally eligible to cancel your SR22.

However, some insurers may require you to remain violation- and accident-free for an additional period before allowing SR22 removal.

It is best to check with your insurer for their specific policy.

License reinstatement

In some cases, an SR22 may be required to reinstate a suspended or revoked driver's license.

Again, once the necessary time period passes and your license is reinstated, you can typically cancel the SR22 with insurer approval.

However, certain serious offenses like repeat DUIs may require an SR22 for an extended duration, even after license reinstatement.

The bottom line is that the reasons for receiving an SR22 in the first place dictate how long it must remain in effect.

While an SR22 is not a permanent requirement for most drivers, removing it does depend on maintaining a clean driving record for the specified time period and getting approval from your auto insurance provider.

With diligent effort, you can get rid of your SR22 and return to standard insurance policies.

How Long Will I Need to Carry SR22 Insurance?

Once you have SR22 insurance in place, you will typically need to carry it for 3 to 5 years depending on the reason it was required and laws in your state.

Duration Required

The length of time you must maintain SR22 insurance is determined by your state's Department of Motor Vehicles (DMV) or Department of Transportation (DOT).

It is based on the severity of the offense and your driving history.

For example:

  • Minor traffic violations like speeding may require 1 to 2 years of SR22.

  • Major offenses like DUI or reckless driving generally mandate 3 to 5 years.

  • Multiple or repeat offenses can extend the SR22 requirement up to 5 years.

Some states allow drivers to request an early termination of the SR22 requirement if they maintain a clean driving record for a set period of time, often half the original mandated duration.

However, the final decision is made at the discretion of the DMV or DOT.

It is best to check with them directly to determine if you qualify for early termination and the proper steps to request it.

Ensuring Continuous Coverage

It is critical that you maintain continuous SR22 insurance coverage for the entire mandated period.

Any lapse in coverage will result in suspension of your license and registration.

The SR22 requirement period starts over from the beginning if there is a lapse.

To prevent gaps in coverage, pay your premiums on time and do not make any changes to your policy like reducing coverage limits or replacing vehicles without notifying your insurance provider first.

They must file a new SR22 form on your behalf to update the information with the DMV or DOT.

Failure to do so will be seen as a lapse in coverage by the state even if you still have an active policy.

Staying complaint with the terms of your SR22 requirement will allow you to regain your regular license and insurance once the mandated time period has been fulfilled.

However, another serious offense during this time can subject you to an extended SR22 requirement.

The best way to get rid of your SR22 obligation is to maintain lawful and responsible driving habits.

Steps to Get Rid of the SR22 Requirement

To remove the SR22 requirement, you will need to follow the proper steps with your insurance provider and state licensing agency.

Contact Your Insurance Provider

First, contact your auto insurance provider to cancel your SR22 policy.

Explain that you wish to cancel the SR22 requirement and need to cancel the policy.

Your insurance provider will cancel your SR22 policy and no longer report it to the state.

However, the state will still show an active SR22 requirement on your record until you complete the next steps.

Request an SR22 Requirement Cancelation from the State Licensing Agency

You will need to contact your state's licensing agency, usually the Department of Motor Vehicles (DMV), to request cancelation of the SR22 requirement.

You may need to provide proof that your SR22 policy was canceled by your insurance provider before the state will remove the requirement from your record.

The agency may charge an administrative fee for processing the SR22 cancelation, typically around $20 to $50.

Confirm Cancelation of the SR22 Requirement

After submitting a request to cancel the SR22 requirement with your state licensing agency, follow up to confirm it has been removed from your record.

You should receive written notice, typically by mail, confirming the cancelation.

You may also be able to check your driving record or licensing status on the agency's website to confirm the SR22 requirement no longer appears.

Consider an Auto Policy Without the SR22

Once the SR22 requirement has been canceled, you will need to obtain regular auto insurance coverage to remain legally licensed to drive.

Shop around at different insurance providers to find a policy that fits your needs and budget without the SR22.

Be aware that canceling an SR22 policy and requirement may still affect your insurance rates for up to 5 years due to your driving history.

Following these steps carefully and ensuring each part of the process is complete will allow you to successfully remove an SR22 requirement from your driving record.

Be patient through what can be a lengthy process, and make sure to stay insured to keep your license in good standing.

Finding Affordable Non-Owner SR22 Insurance

If you’re looking to cancel your SR22 insurance policy, there are a few steps you’ll need to take.

An SR22, also known as a Certificate of Financial Responsibility, provides proof that you have adequate auto insurance coverage as mandated by your state.

Once you meet your state’s minimum requirements, you'll want to start the process to remove the SR22 requirement.

Verify You’ve Met Requirements

First, check with your local Department of Motor Vehicles (DMV) to ensure you’ve satisfied the period of time required to maintain an SR22, typically 1-5 years.

Each state has different rules regarding the SR22, so verify your state’s specific guidelines.

If it’s been long enough, you can move on to notifying your insurance provider.

Contact Your Insurance Provider

Get in touch with your auto insurance company to inform them you wish to cancel your SR22 coverage.

They will need to electronically notify the DMV that your SR22 requirement has ended.

Be prepared to provide details like your policy number to help them locate your account information.

It can take up to 30 days for the DMV to process the cancelation, so continue paying your premiums during this time.

DMV Follow Up

As a final step, follow up with your local DMV to confirm the SR22 requirement has been removed from your driving record.

Once confirmed, you'll no longer need to pay for non-owner SR22 coverage and can shop for regular auto insurance.

Be aware that some insurance companies may charge slightly higher premiums for a period of time due to your previous SR22.

However, over time and with a clean driving record, your rates should decrease.

By diligently following each step in the process and verifying requirements along the way, you can successfully remove the SR22 from your auto insurance obligations.

Take your time and be thorough, as any errors could delay the cancelation or reinstate the SR22 requirement.

With patience and persistence, you'll be back to regular car insurance in no time.


You now have a solid understanding of the necessary steps to remove an SR22 filing from your driving record.

While the process can take time and patience, staying determined and following through with each requirement will pay off.

Keep your driving record clean, maintain insurance coverage, and make payments on time.

Before you know it, you'll receive notice that the SR22 is no longer required.

You'll once again have the freedom to shop for standard auto insurance and put this experience behind you.

Staying committed to responsible driving habits will ensure you never need another SR22 filing and can enjoy affordable insurance rates for years to come.

The finish line is in sight - keep up the good work!

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