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Insurance After License Suspension or SR-22 Filing

Compare SR-22 requirements, non-owner policy options, and reinstatement rules across all 50 states.

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How It Works

  1. Enter your ZIP code and tell us about your suspension type

  2. Get matched with carriers who write policies for suspended license drivers in your state

  3. Choose your coverage and your insurer files any required SR-22 directly with your state DMV

Coverage Options

Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.

A bearded man in a dark sweater sits at a desk with an open laptop, papers and a spiral notebook, and a dark mug, beside a large window showing trees at sunset.SR-22 InsuranceAn SR-22 is not insurance — it's a certificate filed by your insurer proving you carry state-minimum liability coverage. 46 states require SR-22 filings for DUI convictions, with filing periods typically lasting 3 years.A hand holds a black three-button car key fob over a wooden table covered with printed documents and a pen, with a blurred kitchen and dark mug in the background.Non-Owner SR-22Non-owner SR-22 policies provide liability coverage without requiring vehicle ownership, satisfying reinstatement requirements in states where you must maintain insurance during suspension. Premiums average 40-60% less than standard SR-22 policies with a vehicle.A man in a gray cap and gray button-up shirt sits in a truck cab and pulls the seat belt across his chest, with a steering wheel at right and trees and a house visible through the window.Liability InsuranceState-minimum liability coverage satisfies most reinstatement requirements and SR-22 filings. Minimum required limits range from 25/50/25 in California to 50/100/25 in Maine.A hand in a dark sleeve holds out a car key with remote fob above a wooden table holding printed documents and a black pen, with a blurred kitchen interior behind.Non-Standard Auto InsuranceNon-standard carriers specialize in insuring drivers with suspensions, DUIs, or multiple violations who cannot obtain coverage from standard insurers. These policies typically cost 2-3x standard rates but provide required SR-22 filing capability.A man in a dark long-sleeved henley sits at a desk using a laptop, with architectural drawings spread in front of him, a dark mug to the right, a window with warm light behind, and shelving with boxes and binders in the background.Uninsured Motorist CoverageRequired in 20 states and recommended for high-risk drivers who may encounter uninsured motorists. Minimum UM limits must match your liability limits in states where it's mandatory.

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Line Up Coverage Before Your License Comes Back

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Frequently Asked Questions

Do I need insurance if my license is suspended?

Requirements vary by state and suspension reason. 32 states require continuous insurance coverage during suspension to avoid extending the suspension period. Non-owner SR-22 policies satisfy this requirement without owning a vehicle.

What is an SR-22 and how long do I need it?

An SR-22 is a certificate your insurance company files with the state proving you carry minimum liability coverage. Most states require SR-22 filing for 3 years following DUI convictions, though California requires it for only 3 years while Florida requires 3 years from reinstatement.

Which states don't require SR-22 filings?

Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania don't use SR-22 forms. These states use alternative certificates like FR-44 in Virginia or SR-22A in some jurisdictions.

Can I get a hardship license during suspension?

37 states offer hardship, occupational, or restricted licenses allowing limited driving during suspension periods. Eligibility requirements, allowed driving purposes, and mandatory SR-22 filing vary by state — check your state's reinstatement page for specific rules.