Because insurance regulation occurs at the state level, SR-22 insurance requirements by state differ significantly. While most states follow similar compliance principles, the specifics vary.
Key differences include:
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Required filing duration (typically 2–5 years)
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Minimum liability limits
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Filing and reinstatement fees
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Penalties for non-compliance
Examples:
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California mandates SR-22 for at least three years after a DUI.
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Texas typically requires SR-22 for two years.
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Illinois enforces a three-year continuous coverage rule.
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Some states (e.g., New York) do not use SR-22 at all.
Drivers must follow the rules of the state that issued the requirement, not necessarily the state where they currently reside