SR-22 & FR-44 requirements by state
Filing rules are set by your state DMV, not your insurance company. Compare how long you have to carry the filing, the liability limits it locks you into and what reinstatement costs — then get the filing sent the same day.
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Minimum limits are written as bodily injury per person / per accident / property damage (in thousands). Florida and Virginia are the only two states with an FR-44, which carries higher limits than an SR-22 after a DUI.
| State | Filing type | How long | Minimum limits | Reinstatement fee | Filed with |
|---|---|---|---|---|---|
| Arizona | SR-22 | 3 years | 25/50/15 | $10-$20 reinstatement fee, plus court and DUI fees | Arizona Motor Vehicle Division (MVD) |
| Colorado | SR-22 | 3 years | 25/50/15 | $95 for most DUI-related reinstatements | Colorado Division of Motor Vehicles (DMV) |
| Florida | SR-22 and FR-44 | 3 years | 10/20/10 PIP & PDL basics; FR-44 requires 100/300/50 | $150 first reinstatement, $250 second, $500 third or more | Florida Department of Highway Safety and Motor Vehicles (FLHSMV) |
| Georgia | SR-22 | 3 years | 25/50/25 | $200-$410 depending on the offense | Georgia Department of Driver Services (DDS) |
| Louisiana | SR-22 | 3 years | 15/30/25 | $50-$100+ depending on the suspension type | Louisiana Office of Motor Vehicles (OMV) |
| Missouri | SR-22 | 2 years (3 for some repeat offenses) | 25/50/25 | $20-$45 reinstatement fee depending on the suspension | Missouri Department of Revenue (DOR) |
| Ohio | SR-22 | 3 to 5 years depending on the offense | 25/50/25 | $40-$650 depending on the suspension type | Ohio Bureau of Motor Vehicles (BMV) |
| Tennessee | SR-22 | 3 years | 25/50/25 | $65 base reinstatement fee, plus offense-specific fees | Tennessee Department of Safety and Homeland Security |
| Texas | SR-22 | 2 years | 30/60/25 | $100 reinstatement fee for most DWI and no-insurance suspensions | Texas Department of Public Safety (DPS) |
| Virginia | SR-22 and FR-44 | 3 years | 50/100/25; FR-44 requires 100/300/50 | $145-$220 depending on the offense | Virginia Department of Motor Vehicles (DMV) |
What changes by state
- How many continuous years the filing has to stay active
- The liability limits the filing forces you to carry
- What the state charges to reinstate the license
- Whether an ignition interlock is required alongside the filing
- How quickly a lapse re-suspends the license
What does not change
The certificate itself. An SR-22 or FR-44 is proof of liability coverage your insurer transmits to the state — the coverage behind it is ordinary auto insurance. What varies between companies is the surcharge on your record, which is why comparing carriers matters more than the filing itself.
Open your state
Frequently asked questions
What is the difference between an SR-22 and an FR-44?
Both are certificates your insurer files with the state to prove liability coverage. An FR-44 exists only in Florida and Virginia and is required after a DUI conviction; it demands much higher liability limits than an SR-22 — 100/300/50 in both states.
How long do I have to carry the filing?
Most states require three continuous years from the reinstatement date. Any lapse in coverage restarts the clock and re-suspends the license, so the filing has to stay active the entire term.
Do the requirements change if I do not own a car?
The filing period and limits stay the same, but you can satisfy them with a non-owner policy when no vehicle is registered in your name. Non-owner policies are usually the cheapest way to keep a filing active.
Does the state or the insurance company set these rules?
The state does. Filing length, minimum limits and reinstatement fees come from the DMV. What your insurance company controls is the price — the surcharge applied to your violation, which varies widely between carriers.
How fast can the filing reach the DMV?
Electronically, the same day the policy is issued in the states we write. Call and we can quote, issue and file in one conversation.