Home › Insurance › SR-22 and FR-44
Direct answer: An SR-22 isn't insurance; it's a form your insurer files to prove you carry at least the state's minimum liability coverage, usually after a serious violation or a crash without insurance. Florida and Virginia use an FR-44 after a DUI, with higher limits. You keep it 2 to 3 years in most states we read.
By the numbers: SR-22/FR-44 rules read from statutes and DMV pages Oct. 18, 2026: Florida FR-44 $100,000/$300,000/$50,000 for 3 years; Virginia FR-44 double the minimum ($100,000/$200,000/$50,000) for 3 years; SR-22 lasts the suspension period in Tennessee, 2 years in Texas, usually 3 years in California. Source: VaultRubric from state statutes and DMVs
“Such higher limits must be carried for a minimum period of 3 years.” — Fla. Stat. 324.023
Updated 2026-10-18
An SR-22 is a certificate your insurance company files with the state to prove you carry at least the required liability coverage. It isn't a separate kind of insurance. States require it after things like a crash without insurance, an unpaid crash judgment, or certain convictions.
Both prove insurance to the state. Florida and Virginia require an FR-44 after a DUI, at higher limits: Florida $100,000 / $300,000 / $50,000 and Virginia double its minimums ($100,000 / $200,000 / $50,000 on policies from Jan. 1, 2025). An SR-22 only needs the state's regular proof limits.
As long as your suspension or revocation lasts. Since a 2023 law (Tenn. Code 55-12-114 and 55-12-126) you either keep proof on file during the suspension (required for a restricted license) or file it after reinstatement for the same length of time. People whose requirement started before Jan. 1, 2024 can petition to shorten what's left. The proof must be at least $25,000 / $50,000 / $25,000.
Two years from your most recent conviction that requires it, or from the date of a crash judgment (Texas DPS). If it lapses, your license is suspended again and reinstatement costs $100 plus a new SR-22.
At least 3 years from the date your license is reinstated after a DUI conviction (after Oct. 1, 2007), with $100,000 / $300,000 bodily injury and $50,000 property damage, or a $350,000 certificate of deposit.
Usually yes, if the state requires proof from you as a driver. Texas DPS says you can get a non-owner SR-22 policy, and Virginia's DMV guide describes an operator's policy for drivers who don't own a vehicle.
SR-22 and FR-44 rules for Florida, Virginia, Tennessee, Texas and California read from state statutes and DMV pages; checked Oct. 18, 2026.
As of Oct. 18, 2026 · read from state statutes and DMV pages · FL, VA, TN, TX, CA
An SR-22 is a form, not a type of insurance: your insurer files it to prove to the state that you carry at least the minimum liability coverage. Florida and Virginia use an FR-44 after a DUI, with much higher limits. How long you keep it depends on the state: the suspension period in Tennessee, 2 years in Texas, 3 years in Florida, Virginia and (usually) California.
The math:
Sources: Limits check · State rules · Sources
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Pick the state that asked for proof, say whether it was for a DUI, and type your liability limits (the three numbers on your insurance card, like 25/50/25 = 25000, 50000, 25000).
Read Oct. 18, 2026 from each state's statute or motor vehicle agency (links in each row). Limits are bodily injury per person / per accident / property damage.
| State | Form | Minimum limits | How long | Also | Law / agency |
|---|---|---|---|---|---|
| Florida DUI | FR-44 | $100,000 / $300,000 / $50,000 | At least 3 years from the date your license is reinstated | Applies to DUI convictions after Oct. 1, 2007. Instead of a policy you can post a certificate of deposit of at least $350,000. Combined single limits of $350,000 also qualify. | Fla. Stat. 324.023 · FLHSMV DUI FAQs · FLHSMV FR manual: verification criteria · Fla. Stat. 324.021(7) · Fla. Stat. 324.131 |
| Florida Other reasons | SR-22 (proof of financial responsibility) | $10,000 / $20,000 / $10,000 | 3 years | Example: a suspension for an unpaid crash judgment. Florida's proof limits are $10,000 / $20,000 / $10,000. | Fla. Stat. 324.023 · FLHSMV DUI FAQs · FLHSMV FR manual: verification criteria · Fla. Stat. 324.021(7) · Fla. Stat. 324.131 |
| Virginia DUI | FR-44 | $100,000 / $200,000 / $50,000 | 3 years from the end of your suspension or revocation | Required after a DUI (Va. Code 18.2-266), maiming while under the influence (18.2-51.4) or driving on a license suspended for those (18.2-272). The law says double Virginia's minimum limits; on policies from Jan. 1, 2025 the minimum is $50,000 / $100,000 / $25,000, so double is $100,000 / $200,000 / $50,000 (our math). DMV's reinstatement guide (07/01/2026) still prints older, lower dollar amounts. | Va. Code 46.2-316 · Va. Code 46.2-472 · Virginia DMV: Insurance requirements · Virginia DMV 292 (07/01/2026) |
| Virginia Other reasons | SR-22 | $50,000 / $100,000 / $25,000 | 3 years (DMV counts from the suspension or revocation end date, or from the date a judgment is satisfied) | Examples: an uninsured vehicle, failing to keep insurance, or an unpaid crash judgment. Uninsured owners also pay a $600 non-compliance fee. | Va. Code 46.2-316 · Va. Code 46.2-472 · Virginia DMV: Insurance requirements · Virginia DMV 292 (07/01/2026) |
| Tennessee Any reason | SR-22 | $25,000 / $50,000 / $25,000 | As long as your suspension or revocation lasts: keep it during the suspension (required for a restricted license), or file it after for the same length of time (2023 law change) | A $65,000 single-limit policy also qualifies. After a conviction for not showing proof of insurance, the law only says you reinstate by filing proof and paying the fee (no set time). If your requirement started before Jan. 1, 2024, you can petition the Department of Safety to shorten what's left, if you have no new offenses, suspensions or unpaid crash judgments. | Tenn. Code 55-12-126 · Tenn. Code 55-12-114 · Tenn. Code 55-12-115 · Tenn. Code 55-12-102 |
| Texas Any reason | SR-22 | $30,000 / $60,000 / $25,000 | 2 years from your most recent conviction that requires it (or from the date of a crash judgment) | Texas DPS lists DWI, drug offenses, driving while license invalid and repeat no-insurance convictions among the reasons. If it lapses, your license is re-suspended and reinstatement costs $100 plus a new SR-22. | Texas DPS: SR-22 · Texas DPS FAQ: SR-22 |
| California Any reason | SR 22 / SR 1P (California Insurance Proof Certificate) | $30,000 / $60,000 / $15,000 | Usually 3 years from the first date you file it | After a crash without insurance, the suspension is at least 1 year, then proof must stay on file 3 years. You can get your license back during the last 3 years of a suspension of up to 4 years by filing an SR 22/SR 1P. | California DMV DL 300 · California DMV: Financial responsibility · California Driver Handbook, Section 10 |
Other states: not read yet, so they aren't listed. Most states use the SR-22; the letter from your state's motor vehicle agency says what you need and for how long.
How we built this: we read each state's statute or motor vehicle agency page on Oct. 18, 2026, saved a copy with a checksum, and our build checks that every quoted phrase appears in that saved text (52 quotes). Virginia's FR-44 dollar amounts are our math: the statute (Va. Code 46.2-316(C)) says double the minimum limits in 46.2-472, which are $50,000 / $100,000 / $25,000 for policies from Jan. 1, 2025. The limits check runs in your browser with the same rules as our server-side test.
Facts, not legal advice or an insurance quote. Whether you need proof, and from what date, depends on your own case; the letter from your state and the court are the final word. We don't sell insurance or file SR-22s.
An SR-22 is a certificate your insurance company files with the state to prove you carry at least the required liability coverage. It isn't a separate kind of insurance. States require it after things like a crash without insurance, an unpaid crash judgment, or certain convictions.
Both prove insurance to the state. Florida and Virginia require an FR-44 after a DUI, at higher limits: Florida $100,000 / $300,000 / $50,000 and Virginia double its minimums ($100,000 / $200,000 / $50,000 on policies from Jan. 1, 2025). An SR-22 only needs the state's regular proof limits.
As long as your suspension or revocation lasts. Since a 2023 law (Tenn. Code 55-12-114 and 55-12-126) you either keep proof on file during the suspension (required for a restricted license) or file it after reinstatement for the same length of time. People whose requirement started before Jan. 1, 2024 can petition to shorten what's left. The proof must be at least $25,000 / $50,000 / $25,000.
Two years from your most recent conviction that requires it, or from the date of a crash judgment (Texas DPS). If it lapses, your license is suspended again and reinstatement costs $100 plus a new SR-22.
At least 3 years from the date your license is reinstated after a DUI conviction (after Oct. 1, 2007), with $100,000 / $300,000 bodily injury and $50,000 property damage, or a $350,000 certificate of deposit.
Usually yes, if the state requires proof from you as a driver. Texas DPS says you can get a non-owner SR-22 policy, and Virginia's DMV guide describes an operator's policy for drivers who don't own a vehicle.
Facts, not insurance advice. We don't sell insurance or provide quotes; confirm coverage and requirements with the insurer, an agent or your state insurance department.
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