How Long Do You Need to Carry SR-22 Insurance and What Happens If You Drop It Early?

If you’ve been told you need SR-22 insurance, you may have questions about how long you’re required to keep it and what could happen if you cancel it too soon. At Venegas Insurance, we help drivers navigate these situations so they can maintain compliance and avoid unnecessary complications and penalties.

Understanding SR-22s in California

An SR-22 is not an insurance policy itself, but a certificate your insurer files with the state’s department of motor vehicles (DMV) to prove you have the minimum required auto liability coverage. California often requires an SR-22 filing after certain driving violations, such as DUI convictions, driving without insurance or accumulating too many points on your record.

How Long Must You Have an SR-22?

The duration of an SR-22 requirement can vary depending on where you live and the reason you have to have one. In most cases, California drivers must maintain SR-22 insurance for three years from the date their driving privilege is reinstated. However, this can vary based on the offense and court requirements. It’s important to confirm your specific timeframe with the DMV or your legal representative.

What Happens If You Cancel Early?

Canceling your SR-22 before the mandated period ends can have serious consequences, including the following

• License suspension—The DMV will be notified if your SR-22 is canceled, which may result in your driver’s license being suspended again.
• Requirement renewal—If your coverage lapses, you may have to start the SR-22 filing period over from the beginning.
• Additional fees—You could face reinstatement fees and other penalties.
• Increased insurance costs—Early cancellation or lapses can mark you as a higher risk, potentially increasing your future insurance premiums.

Find the Right Help

Our team at Venegas Insurance understands how stressful SR-22 requirements can be. We’re here to help you maintain the right coverage for the required duration and answer any questions you have about auto insurance.

Contact us today to start a dialogue about SR-22s and make sure you have what you need to get back on the road.

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.