How to Know When You’re No Longer Required to Have SR-22-Compliant Auto Insurance

SR-22 insurance is a certificate of financial responsibility required for specific high-risk drivers in California. This document is not an insurance policy. It’s a form filed by your insurance company with the California Department of Motor Vehicles (DMV) to confirm that you carry the state’s minimum required auto insurance coverage.

Typically, SR-22 insurance is mandated for drivers involved in serious traffic violations, such as driving without insurance, reckless driving or other offenses that indicate a heightened risk to public safety.

The duration you need to maintain SR-22 insurance varies depending on the severity of the offense and whether it is a repeat violation. Generally, the requirement lasts for about three years.

Keeping your insurance policy active without any lapses is crucial during this period. If your coverage is canceled, your insurer must notify the DMV, which could result in further penalties, including suspending your driving privileges.

When Does the SR-22 Requirement End?

To determine when you are no longer required to have SR-22 insurance, you need to be aware of the specific conditions set by the state of California. The mandated period for maintaining SR-22 insurance typically starts from the date of the offense or the date your driving privileges were reinstated.

Once you have fulfilled the mandated period, your insurance company will no longer need to file the SR-22 form on your behalf. However, confirming with the DMV that the requirement has been lifted is essential. You can do this by contacting the department directly.

Contact Us

Contact SaveDirect Insurance Agency, LLC, to learn about maintaining SR-22-compliant auto insurance. Our agents can help you compare quotes from numerous area insurers.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.