SR-22 Requirements by State: A Complete Comparison

SR-22 requirements vary significantly from state to state. This comprehensive comparison helps you understand the specific requirements in your state.

Filing Period Variations

While most states require a 3-year SR-22 filing period, there are exceptions. Texas and Iowa require only 2 years. Some states may extend the period for repeat offenders or particularly serious violations.

Minimum Coverage Requirements

Each state sets its own minimum liability coverage requirements. These are expressed as three numbers: bodily injury per person / bodily injury per accident / property damage. For example, 25/50/25 means $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage.

States with Higher Minimums

Alaska leads with 50/100/25 minimums. Maine also requires 50/100/25. Maryland requires 30/60/15. These higher minimums mean higher insurance costs for SR-22 drivers in these states.

States with Lower Minimums

California has relatively low minimums at 15/30/5. Pennsylvania also has low minimums at 15/30/5. However, lower minimums don't always mean lower premiums—other factors like state regulations and local accident rates also affect pricing.

Electronic vs. Paper Filing

Most states now accept electronic SR-22 filings, which are processed much faster (1-3 business days vs. 2-4 weeks for paper). Check with your state's DMV to confirm their preferred filing method.

FR-44 States

Florida and Virginia use the FR-44 form for DUI-related financial responsibility requirements. The FR-44 requires significantly higher liability limits than the standard SR-22.