Guides

38 pages covering the parts of this that are the same everywhere, and the parts that are not. Everything here is read from a state statute and dated; where something could not be read, the page says so rather than estimating it.

• Every name for the filingSR-22, FR-44, certificate of financial responsibility: which are synonyms and which change the amount. Start here if your notice used a word you do not recognize.
• What an SR-22 actually isA notification instrument, not a policy. Who files it, what it certifies, what a lapse does.
• How long you have to keep the filing37 states, nineteen different clocks — two of them look-backs, not countdowns.
• SR-22 vs FR-44Florida and Virginia use a second form after a DUI, at much higher limits.
• Filing without a carHow a non-owner policy carries the certificate, and the household-vehicle gap that voids it.
• Minimum limits compared37 states, each figure read from the statute and tagged with its effective date.
• The SR-22 formWhat the certificate must show, when it can be electronic, and how much notice each state gets before it ends.
• What triggers an SR-22Uninsured driving, accidents, revocations, listed offenses, judgments — and when it reaches the car's owner.
• SR-22 after a DUIFR-44 states, Alaska's ladder, Louisiana's non-owner rule, and where it is not automatic.
• SR-26: when the filing is canceledHow many days' notice each state gets, the states with no grace period, and how to switch insurers safely.
• Getting an SR-22 removedThe release is usually something you request. What blocks it, and the states with no early exit.
• How to get an SR-22No application to the state: the policy, the insurer's filing, and where it goes in 37 states.
• Do you need an SR-22 to reinstate?Every suspension in some states, named offenses in most, and the exceptions some statutes list.
• SR-22 and motorcyclesOwned or borrowed, the certificate's vehicle list, and the registration rule that catches the second vehicle.
• No-insurance ticket fines by stateWhat a ticket for driving without insurance costs in fourteen states, the suspension, and when an SR-22 follows.
• No insurance ticket in Texas$175 to $350, the TexasSure check, dismissal, and the second conviction's filing and impoundment.
• Driving without insurance in FloridaSuspension on a reported lapse, $150 to $500 to reinstate, two years of proof, and PIP liability.
• Driving without insurance in North CarolinaThe lapse letter and its five outcomes, $50 to $150 penalties, and plate revocation.
• A.R.S. 28-4135 (Arizona)Arizona's no-insurance law: $500 civil penalties, dismissal, the six-month-policy waiver and reinstatement fees.
• No insurance ticket in MichiganA misdemeanor of $200 to $500, the 30-day visitor rule, stored cars and the excluded-driver warning.
• Interlocks and motorcyclesThe statutes reach every motor vehicle you drive, and define a motorcycle as one.
• No insurance ticket in IllinoisOver $500 and three months' suspension, or $100 and supervision if insured by the court date.
• No insurance ticket in MissouriClass D misdemeanor, the 33-day suspension, $20 to $400 to reinstate, and three years of proof.
• Driving without insurance in VirginiaNo fee instead of insurance: the $600 noncompliance fee, three years of proof, and the payment plan.
• Illinois statutory summary suspension6 or 12 months for a first offender, 1 or 3 years otherwise, starting on the 46th day.
• Illinois license reinstatementA revoked license is applied for, not restored: waiting periods, hearings and the $500 fee.
• Illinois restricted driving permitThe listed purposes, undue hardship, interlock conditions, and five clean years before a license.
• Washington ignition interlock licenseApply from the day of arrest; a device on every vehicle and an SR-22 are both conditions.
• Driving while suspended in Illinois (6-303)Class A misdemeanor, the extended suspension, mandatory jail after a DUI suspension, felony traps.
• Florida hardship licenseBusiness or employment purposes only: the hearing, first-time eligibility and the waits after a DUI.
• Minnesota limited licenseWho qualifies, the waits after a DWI, insurance first, and the $680 reinstatement.
• Indiana specialized driving privilegesThe court-granted hardship license, the 10-day rule, and the SR22 it requires for its whole length.
• Florida license reinstatementFees and steps by reason: unpaid tickets, insurance lapse, points, DUI suspension and revocation.
• Iowa temporary restricted licenseTwo licenses: any class C driving with an interlock after an OWI; work, school and treatment trips with an SR-22 otherwise.
• Accidents without insuranceSuspension on the accident report, security and proof, and the personal liability no insurer covers.
• The SR-1 (California)The DMV accident report: 10 days, $1,000, any injury — and how an uninsured SR-1 becomes an SR-22.
• SR-22 bond and cash depositProof without an insurer: who can sign a bond, and the deposit each state sets.
• The fees the law setsReinstatement fees read from the statutes — by record, by lapse length, by revocation or suspension.

Then the state pages

Once you know which certificate applies to you, the numbers are state business: SR-22 by state and ignition interlock by state.