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SR-22 and insurance reinstatement requirements by state

An SR-22 is an insurer-filed certificate used as proof of financial responsibility when a state requires it. It is not a separate insurance policy, and it is not required for every suspension or in every state.

This directory organizes each state's recorded insurance or financial-responsibility source. Use the exact wording on the official notice or driving record to decide which state source to read. The issuing agency's record controls whether a filing applies; a properly licensed insurer handles the certificate when one is required.

51 jurisdictions with a recorded sourceLatest recorded source check: Jul 17, 2026 Download CSV

Read the state source before shopping for coverage

State language varies. Some sources use SR-22, FR-44, a bond, electronic insurance reporting, or another proof process. A source that mentions one term does not establish that it applies to a particular driver.

Recorded state information

Browse insurance and financial-responsibility sources

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Alabama

ALEA Driver License Division · checked Jun 30, 2026

AL

Alabama's mandatory liability insurance (MLI) law (Ala. Code 32-7A) can affect you through two different agencies, and you may need to deal with both if you own a vehicle. First, ALEA (the driver license agency) handles a driving-uninsured suspension. To reinstate your license through ALEA, you'll need to file an SR-22 (a 3-year, insurer-filed proof of insurance) and pay ALEA's $200 no-insurance driver's license reinstatement fee. Second, ALDOR (the vehicle registration agency) handles a separate registration suspension for an MLI violation. To clear this, you pay ALDOR's registration MLI fee ($200 for a first offense, $400 for a second or later offense) and show proof of current coverage. No SR-22 is required on the ALDOR registration path. Which path applies to you depends on your situation: an ALDOR registration suspension happens for any vehicle-registration MLI violation, while an ALEA driver's license suspension applies specifically when you've been convicted of driving uninsured. If a notice you received isn't clear about which requirements apply to you, you can request your specific reinstatement requirements using form DI-46A.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Alaska

AK DMV · checked Jun 28, 2026

AK

First, get insurance coverage and have your insurer file an SR-22 with the state (it must be dated within the last 30 days). Then submit the D1 reinstatement application and pass a vision test. If your license was suspended for more than 1 year, you will also need to pass a written test. If it was revoked for more than 5 years, you will need to pass a road test as well. Finally, pay the reinstatement fee.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Arizona

AZ MVD · checked Jun 29, 2026

AZ

Driving uninsured under ARS 28-4135 triggers a CIVIL PENALTY (assessed on the citation / paid through the court) AND a license suspension AND an SR-22 requirement. Penalty + suspension length escalate with priors within 36 months: • 1st offense: $500 civil penalty + 3 months suspension • 2nd in 36 mo: $750 + 6 months • 3rd+ in 36 mo: $1,000 + 1 year To reinstate: pay the citation civil penalty (court), obtain coverage, have your insurer file the SR-22, and pay MVD's reinstatement fee. SR-22 must be maintained for 3 years from the reinstatement-eligibility date (not the offense date).

Recorded category summary only. Confirm whether it applies using the current official record and source.

Arkansas

DFA Office of Driver Services · checked Jun 28, 2026

AR

You will need to obtain Arkansas auto insurance and file an SR-22 (proof of financial responsibility) that stays in effect for 3 years. You will also need to pay the reinstatement fee for each administrative order on your record.

Recorded category summary only. Confirm whether it applies using the current official record and source.

California

DMV · checked Jul 17, 2026

CA

California DMV's Driver's Handbook describes a specific insurance-related suspension after a collision without proper insurance coverage. It says the driving privilege can be suspended for up to four years regardless of who caused the collision. During the last three years of that suspension, the handbook says the license can be returned if a California Insurance Proof Certificate, identified as SR 22/SR 1P, is provided and maintained for the three-year period. The same handbook separately requires a collision report to DMV within 10 days when anyone is injured or killed or when property damage exceeds $1,000, and says failure to file that report can itself cause a suspension. This published SR 22/SR 1P path is specific to the uninsured-collision category; it does not establish that every California suspension requires the certificate. The exact DMV order and current driver record control.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Colorado

CO DMV · checked Jun 28, 2026

CO

obtain coverage → insurer files SR-22 → apply (myDMV upload or DR 2870 by mail) → pay reinstatement fee.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Connecticut

CT DMV · checked Jun 30, 2026

CT

Driving without insurance in Connecticut is a Class C misdemeanor. It carries a $500 fine, along with suspension of both your registration and your license: 1 month for a first offense, or 6 months if you have a prior offense. To reinstate your license, you'll need to obtain Connecticut insurance, submit proof of that coverage, and pay a flat $175 DMV restoration fee. This $175 fee is the same across most suspension types. Whether you also need an SR-22 depends on your situation: it's required only if your DMV suspension notice or court order specifically calls for one. If you do need an SR-22, how long you must keep it isn't fixed by statute. Instead, the DMV hearing officer or the court sets the length case-by-case, commonly 1 to 3 years, and up to 5 years for repeat offenses. So the baseline path to reinstatement is proof of insurance plus the $175 fee, with an SR-22 added only if your notice requires it. There's also a separate, registration-side issue: if your registration was suspended because of a lapse found in the insurance verification database, that can be resolved through a consent agreement plus a $200 civil penalty.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Delaware

DE DMV · checked Jun 28, 2026

DE

You will need to obtain insurance coverage, submit proof of that coverage, and pay the reinstatement fee. The fee is waived if your insurance was actually in force at the time of the offense.

Recorded category summary only. Confirm whether it applies using the current official record and source.

District of Columbia

DC DMV · checked Jun 28, 2026

DC

You will need to obtain insurance coverage and file proof of financial responsibility (FR) with DC DMV, then pay the reinstatement fee.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Florida

FLHSMV · checked Jun 30, 2026

FL

FL no-insurance scope by scenario: (1) Routine PIP/PDL lapse → license + plate + registration suspension (FR8/FR2 sanction; up to 3 yrs or until insured). Cert: proof of PIP/PDL only - NO SR-22 or FR-44 required for a routine lapse. Insurer reports electronically; FLHSMV auto-notified. Pay the tiered reinstatement fee + respond to the FR-Sanction notice. No fee if you can prove continuous coverage (the policy began before the suspension date). (2) At-fault uninsured injury crash (FR1) → SR-22 + permanent future-BIL requirement (this is a distinct, heavier path). (3) FR-44 is DUI-track-only (3 yr, higher 100/300/50 limits) and is handled on DUI administrative, NOT here. FL has no hardship license for insurance-related suspensions. Min coverage: PIP $10k + PDL $10k.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Georgia

DDS · checked Jun 30, 2026

GA

GA splits no-insurance handling across two agencies (AL-style): DDS (license) + DOR (vehicle registration). Driving uninsured (citation) → license + registration suspension 60 days (1st) / 90 days (2nd) / 6 months (3rd in 5 yr) + 4 points + fine $200 - $1,000. GEICS-detected lapse → registration suspension only. To reinstate: obtain valid GA liability insurance → insurer files the FR-10 (1st no-insurance offense) OR SR-22A (Georgia Safety Responsibility Insurance Certificate, 3 yr - required for 2nd-or-more no-insurance suspensions) OR a standard SR-22 marked 'Paid In Full' → pay DDS license reinstatement + DOR registration reinstatement + $25 lapse fee. Maintain coverage for 6 months before full reinstatement. GA-specific quirk: a *nolo* plea avoids the suspension for a 1st no-insurance offense within 5 yr - the customer should be told to discuss with the court if eligible.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Hawaii

COUNTY-administered · checked Jun 28, 2026

HI

If your hold is from an insurance lapse, Hawaii does not suspend your driver's license for this. Instead, you surrender your plates to your county's Financial Responsibility (FR) Section. Because your license itself was never suspended, you do not need a driver's license reinstatement packet for an insurance lapse alone.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Idaho

ITD · checked Jun 28, 2026

ID

For a no-insurance / financial-responsibility hold: obtain and maintain liability coverage, have your insurer file any SR-22 ITD requires, then pay the reinstatement fee shown for the exact insurance label on your Idaho record.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Illinois

IL Secretary of State · checked Jun 29, 2026

IL

Illinois has two different no-insurance suspensions, and which one applies determines what you need to do. The first is the Safety Responsibility Law suspension, which is triggered by being in an uninsured collision. To reinstate under this suspension, you need to satisfy any one of the six compliance options listed below and pay a $70 Secretary of State (SOS) reinstatement fee. An SR-22 insurance filing (a 3-year filing) is only required if a judgment of $500 or more is involved; otherwise no SR-22 is needed. The second is the Mandatory Insurance Law suspension, which applies if you were driving without valid insurance or failed a random insurance verification. This is a separate suspension with its own reinstatement fee and proof requirements. Both suspensions are handled administratively (they do not require a court hearing).

Recorded category summary only. Confirm whether it applies using the current official record and source.

Indiana

IN BMV · checked Jun 29, 2026

IN

There are two situations here, depending on why your license was suspended for insurance. 1. You actually had insurance at the time but just failed to show proof. In this case, your insurer electronically files a Certificate of Compliance (COC) confirming your coverage, and the suspension is lifted with no reinstatement fee. This is the most common scenario. 2. You genuinely did not have insurance at the time. In this case, you first need to obtain coverage. Your insurer then electronically files an SR-22 on your behalf (you cannot file it yourself). For suspensions on or after December 31, 2021, this suspension is indefinite, but filing the SR-22 puts it on hold. The suspension ends once you have maintained the SR-22 for 180 consecutive days without any lapse in coverage. If your SR-22 is cancelled (an SR-26 filing) at any point during those 180 days, the suspension becomes active again and the clock resets. You will also need to pay the tiered reinstatement fee (see the fees section). You must maintain the SR-22 for 3 years if this is your first or second offense, or 5 years if it is your third or later offense.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Iowa

Iowa DOT MVD · checked Jun 28, 2026

IA

You'll need to file proof of financial responsibility (FR) under Iowa's Financial and Safety Responsibility Act. This is typically done through an SR-22 filed by your insurer. Once that's on file, you can pay the reinstatement fee.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Kansas

KDOR Division of Vehicles · checked Jun 28, 2026

KS

You'll need to get auto insurance coverage, have your insurer file an SR-22 with the state for 12 months, and pay the reinstatement fee. If you want to handle this online through KanPay, that option only covers the insurance-related step, not the full reinstatement.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Kentucky

KYTC · checked Jun 28, 2026

KY

You will need to obtain auto insurance coverage, have your insurer file an SR-22 form on your behalf, and pay the $40 reinstatement fee.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Louisiana

DPS Office of Motor Vehicles · checked Jun 28, 2026

LA

obtain coverage; file SR-22 (3 yr from conviction); pay reinstatement fee.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Maine

ME BMV · checked Jun 30, 2026

ME

Driving without proof of insurance in Maine is a traffic infraction with a fine of $100 to $500, and your license and registration are suspended indefinitely until you submit valid proof of insurance (29-A §2486). Maine does not increase the penalty for repeat offenses; the fine and process stay the same regardless of how many times it happens. To reinstate, here is what you need to do: 1. Get car insurance that meets Maine's minimum coverage of 50/100/25 liability (higher than most states require). 2. Have your insurance company file an SR-22 with the BMV, valid for 3 years. Maine's statute calls this a 'Certificate of Financial Responsibility,' but it accepts the standard SR-22 form. 3. Pay the $50 reinstatement fee (this is a statutory cap under §2486). If your license or registration also lapsed, you will need to handle those separately: $20 to $30 for the license and $35 for the registration. Add $5 if you reinstate online.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Maryland

MD MVA · checked Jun 28, 2026

MD

If your registration lapsed because of an insurance gap, you'll owe a penalty of $200 for the first 30 days plus $7 for each additional day, up to a cap of $3,500 per year (Maryland Transportation Code section 17-106). You'll need to restore your vehicle registration, provide proof of insurance on form FR-19, and pay the administrative reinstatement fee.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Massachusetts

RMV · checked Jun 28, 2026

MA

You'll need to get insurance coverage in place and pay the reinstatement fee. If you're a repeat offender or considered an immediate threat, you may also have to attend a hearing.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Michigan

MI Dept of State · checked Jun 28, 2026

MI

resolve insurance violation → pay reinstatement fee

Recorded category summary only. Confirm whether it applies using the current official record and source.

Minnesota

MN DVS · checked Jun 29, 2026

MN

Minnesota calls a no-insurance loss a "revocation" of your license, vehicle registration, and plates. For a 1st or 2nd no-insurance offense, that revocation can last up to 1 year. A 3rd uninsured offense within 10 years is a gross misdemeanor on the criminal side, but the license action itself stays a reinstatable revocation of up to 1 year. Even though it's labeled a revocation, this is a routine administrative reinstatement, and the criminal charge (if any) is a separate court matter from getting your license back. To reinstate, here's what to do: 1. Get insurance coverage that meets Minnesota's no-fault minimum of 40/100/10, including personal injury protection (PIP). 2. Have your insurer file a Minnesota Insurance Certificate for Reinstatement (also called a "Certificate of Insurance") with the Department of Public Safety (DPS) / Driver and Vehicle Services (DVS). This is not a generic SR-22, so asking your insurer for an "SR-22" may get you the wrong filing. Ask specifically for the Minnesota Insurance Certificate for Reinstatement. Your insurer files this certificate directly, and it stays in effect for 3 years. 3. Pay the $30 reinstatement fee.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Mississippi

MS DPS Driver Service Bureau · checked Jun 28, 2026

MS

You will need to obtain auto insurance coverage, file an SR-22 form if it's required for your case, and pay the reinstatement fee.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Missouri

MO DOR · checked Jun 30, 2026

MO

Missouri has three different no-insurance situations, and which one applies changes what you need to do. 1. Mandatory Insurance suspension, no accident involved: get insurance coverage and submit standard proof of insurance (your insurance card is sufficient; you do not need an SR-22 for this situation at any offense level). Pay the reinstatement fee, which increases with each offense: $20 for a 1st offense, $200 for a 2nd offense, or $400 for a 3rd offense. A 2nd offense also adds a 90-day suspension, and a 3rd offense adds a 1-year suspension. 2. No-insurance offense that involved an accident: you will need an SR-22 (a certificate of financial responsibility filed by your insurer) for 3 years, plus the $20 reinstatement fee. 3. Motor Vehicle Accident Judgment (MVAJ) suspension: this is a separate situation that applies when there is an unpaid civil judgment against you from an accident. You will need an SR-22 for 2 years from the date of the accident judgment, plus the $20 reinstatement fee. This underlying suspension can last up to 10 years until the judgment is paid off, or until you set up a payment plan. A Limited Driving Privilege (a limited hardship license) is handled through a separate contested hearing process and is not part of the standard reinstatement described above.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Montana

MT MVD · checked Jun 28, 2026

MT

You will need to get insurance coverage, file an SR-22 with the state (this must stay in place for 3 years), and pay the reinstatement fee.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Nebraska

NE DMV · checked Jun 28, 2026

NE

You will need to obtain auto insurance coverage and have your insurer file an SR-22 form, which you must keep in place for 3 years. You will also need to pay a $50 fee.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Nevada

NV DMV · checked Jun 28, 2026

NV

obtain coverage; file SR-22 (3 yr continuous, lapse = restart); pay reinstatement.

Recorded category summary only. Confirm whether it applies using the current official record and source.

New Hampshire

NH DMV · checked Jun 28, 2026

NH

You will need to obtain insurance coverage and file an SR-22 for 3 years, then pay the restoration fee.

Recorded category summary only. Confirm whether it applies using the current official record and source.

New Jersey

NJ MVC · checked Jun 30, 2026

NJ

Driving without insurance in New Jersey (under NJSA 39:6B) carries these penalties: a first offense means a 1-year license suspension, a court fine of $300 to $1,000, and community service. A second offense means a 2-year suspension, 14 days in jail, and a fine of up to $5,000. New Jersey does not use the standard SR-22 that many other states require. Instead, it uses its own insurer-filed FS-1 or P-7 insurance certifications. (SR-22 only comes up in New Jersey for foreign-state or court-ordered cases.) New Jersey also has a separate surcharge system called NJSVS. To get your license back after a first or second offense, you will need to: 1. Obtain auto insurance coverage. 2. Submit your New Jersey insurance ID card or declaration page. 3. Surrender your license plates if you no longer have a vehicle to insure. 4. Pay $100 for driver's license restoration, $100 for registration restoration, and a surcharge of $250 per year for 3 years. If you fail to pay the surcharges, your license will be suspended indefinitely until you do. To restore your license after a surcharge-related suspension, you pay 5% of the outstanding surcharge balance plus $100. New Jersey has no hardship, work, or conditional license option, so you cannot legally drive for any reason while your license is suspended. A third or later offense is treated as a habitual-offender case subject to discretionary review by the chief administrator and can result in permanent loss of your license. Because of this, a third offense is outside the scope of what this guide can help with, and you should consult an attorney.

Recorded category summary only. Confirm whether it applies using the current official record and source.

New Mexico

NM MVD · checked Jun 28, 2026

NM

obtain coverage; SR-22; pay reinstatement.

Recorded category summary only. Confirm whether it applies using the current official record and source.

New York

NY DMV · checked Jun 28, 2026

NY

You'll need to submit proof of insurance online. Your insurer reports your coverage electronically to the DMV. If your lapse in coverage was longer than 90 days, you'll also need to wait out a suspension period, calculated as one day of suspension for each day your coverage lapsed.

Recorded category summary only. Confirm whether it applies using the current official record and source.

North Carolina

NCDMV · checked Jun 30, 2026

NC

North Carolina treats a lack of insurance in two separate ways, depending on what actually happened. If you simply let your insurance lapse (with no driving-uninsured conviction), that only affects your vehicle registration and plates, not your driver's license. You'll owe a civil penalty based on how many lapses you've had in the last 3 years: $50 for a first offense, $100 for a second, or $150 for a third. On top of that, there's a flat $50 plate restoration fee. Your insurer files a form called an FS-1 to get your plates reinstated. Your driver's license itself is only suspended if you're actually convicted of driving without insurance (under G.S. 20-313). If that happens, your insurer must file a DL-123 (a high-risk insurance certificate) to reinstate your license. This certificate is only valid for 30 days from the date it's issued, so it needs to be filed on time. North Carolina doesn't use a standard SR-22 by default. The DL-123 serves as North Carolina's equivalent to an SR-22 for license reinstatement, though an SR-22 may be required in your specific case. The minimum liability insurance coverage required is 50/100/50 (effective July 1, 2025).

Recorded category summary only. Confirm whether it applies using the current official record and source.

North Dakota

NDDOT Driver License Division · checked Jun 28, 2026

ND

obtain coverage; file SR-22; pay $50 reinstatement.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Ohio

Ohio BMV · checked Jun 28, 2026

OH

file SR-22 / FR bond for 1 yr (was 3 yr pre-4/9/2025) → pay fee; security suspension if uninsured crash >$400 → deposit / BMV 3303

Recorded category summary only. Confirm whether it applies using the current official record and source.

Oklahoma

Service Oklahoma / DPS Driver Compliance · checked Jun 28, 2026

OK

obtain coverage; uninsured collision → Financial Responsibility Hearing (DPS); pay $25 single fee.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Oregon

ODOT DMV · checked Jun 28, 2026

OR

You'll need to get auto insurance coverage and have your insurer file an SR-22 certificate, which you must keep on file for 3 years. Then pay the $85 reinstatement fee.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Pennsylvania

PennDOT · checked Jun 28, 2026

PA

3-mo susp (>30-day lapse); surrender license + plates; $300 fine to start; proof of insurance + restoration fee

Recorded category summary only. Confirm whether it applies using the current official record and source.

Rhode Island

RI DMV · checked Jun 30, 2026

RI

Driving uninsured in Rhode Island can lead to a fine of up to $1,000 and a license suspension of up to 12 months. If you fail a random insurance verification check, your registration can also be revoked, which costs $252.50 to reinstate. If you were in an accident while uninsured and it caused more than $1,000 in damage, your plates can be impounded and your license suspended. To reinstate your license, you will need to: 1. Get insurance coverage that meets Rhode Island's minimum limits (25/50/25). 2. Have your insurer file an SR-22 (a certificate of financial responsibility) with the state, which must stay in place for 3 years. 3. Schedule an in-person appointment at the RI DMV Adjudication Office. Uninsured suspensions cannot be reinstated online, only failure-to-appear or failure-to-pay suspensions can be handled online. 4. Pay the required fees: $150 base fee plus a $3.50 technology surcharge, plus a $30 administrative reinstatement fee. If your registration was also revoked, add $252.50 for registration reinstatement. The in-person visit to the Adjudication Office is an administrative step to complete your reinstatement, not a contested hearing. If you want to contest the underlying uninsured-driving conviction itself, that is a separate legal matter.

Recorded category summary only. Confirm whether it applies using the current official record and source.

South Carolina

SCDMV · checked Jun 30, 2026

SC

South Carolina handles this differently depending on whether you owned the vehicle you were driving without insurance, under SC Code 56-10. If you were driving a vehicle you do not own while uninsured, you'll face a 30-day license suspension, and you can reinstate by paying a $100 reinstatement fee. If you were driving a vehicle you do own while uninsured, both your license and your registration are suspended until the SCDMV receives payment of a $700 Uninsured Motorist Fee, plus a $5-per-day surcharge for the length of the coverage lapse (this surcharge is capped at $200). In either case, your insurer will need to file proof of financial responsibility on your behalf using South Carolina's own form, called the FR-10 (the state's version of an SR-22). This filing must stay in place for 3 years by default, or up to 5 years if the suspension involved a DUI, reckless driving, a second driving-under-suspension offense, 12 or more points, or an uninsured accident. South Carolina does not use the FR-44 form. Separately, South Carolina also offers an annual Uninsured Motorist Fee of about $600, which is a legal way to drive without insurance going forward; this is not part of, and is separate from, the $700 reinstatement fee described above.

Recorded category summary only. Confirm whether it applies using the current official record and source.

South Dakota

SD DPS (Dept of Public Safety) Driver Licensing · checked Jun 28, 2026

SD

You'll need to get insurance coverage and file an SR-22 (a certificate of financial responsibility) with the state, and keep it on file for 3 years. Driving without insurance in South Dakota is a Class 2 misdemeanor and can lead to a suspension of 30 days to 1 year, so it's important to keep your coverage current. Once that's in place, you can pay the reinstatement fee.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Tennessee

Dept of Safety & Homeland Security · checked Jun 28, 2026

TN

To reinstate, you'll need to obtain auto insurance coverage, file an SR-22 for the length of your suspension period, and pay the reinstatement fee.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Texas

DPS · checked Jun 30, 2026

TX

This Texas suspension falls under the No-Insurance / Safety Responsibility track (Texas Transportation Code Section 601). There are two ways it can happen. First, routine no-insurance cases are flagged through TexasSure verification (Section 601.191); if you don't respond with proof of insurance, your license and registration are suspended. Second, an at-fault crash while uninsured leads to a Safety Responsibility suspension, which offers a few ways to come into compliance: an SR-11 release, an SR-19 installment plan, or a security deposit, plus an SR-22 filing. If you have multiple no-insurance convictions in a short window, you'll be required to get an SR-22A, a prepaid 6-month certificate. To reinstate your license: obtain valid Texas insurance meeting the minimum liability limits (30/60/25), have your insurer electronically file an SR-22 that you must maintain for 2 years from your most recent conviction or reinstatement, and pay the $100 Safety Responsibility reinstatement fee (plus a $5.75 fee if you pay online). If you have more than one enforcement action against you, the $100 fee applies to each one. Note that Texas repealed its Driver Responsibility surcharge program on September 1, 2019 (House Bill 2048), so the current no-insurance reinstatement cost is just the $100 fee, with no annual surcharge.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Utah

DLD · checked Jun 28, 2026

UT

You'll need to get auto insurance coverage and have your insurer file an SR-22 form with the state. Then pay the $40 reinstatement fee.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Vermont

VT DMV · checked Jun 28, 2026

VT

You will need to get insurance coverage and maintain proof of financial responsibility (FR) for 3 years. Then you can pay the reinstatement fee to the DMV. If the only reason your license was suspended was a lack of financial responsibility insurance, there is no reinstatement fee.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Virginia

VA DMV · checked Jun 28, 2026

VA

You'll need to get insurance coverage and file an SR-22 with the DMV, then pay a $145 reinstatement fee. If your vehicle is uninsured, there is also a separate $500 uninsured-motorist fee that gets paid through the vehicle registration process.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Washington

WA DOL · checked Jun 29, 2026

WA

Routine driving uninsured in WA does NOT suspend your driver license - it's a traffic infraction with a $550 minimum fine, no DOL suspension, nothing to reinstate. License suspension under WA's Financial Responsibility Law happens ONLY when ALL THREE are met after an uninsured collision: (a) >$1,000 property damage OR any bodily injury, (b) the driver/vehicle was uninsured at the time, (c) reasonable possibility the uninsured driver is found liable. To reinstate (or prevent) the FR suspension after a qualifying collision, file ANY ONE of the six compliance options listed below, then pay the DOL reinstatement fee. SR-22 (if chosen) is maintained 3 years from the collision date.

Recorded category summary only. Confirm whether it applies using the current official record and source.

West Virginia

WV DMV · checked Jun 28, 2026

WV

If you were cited for driving without insurance, you can pay a $200 no-insurance penalty (per statute 17D-2A-7) to avoid a suspension. If your license was already suspended, you'll need to file an SR-22 (a certificate of insurance) and pay a $50 reinstatement fee. Note that a no-insurance citation more than 1 year old cannot be used to suspend your license.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Wisconsin

WisDOT DMV · checked Jun 29, 2026

WI

Driving uninsured in Wisconsin on its own does not suspend your driver's license. It's treated as a forfeiture (a citation), so there's no suspension and nothing to reinstate. Your license only gets suspended under Wisconsin's Safety Responsibility Law if you were driving uninsured and were involved in a reportable crash causing more than $1,000 in damages, and you were found responsible. In that case, both your license and all of your vehicle registrations are suspended for 1 year. To reinstate your license (or to prevent the suspension in the first place), you can either serve out the full 1 year, or file an SR-22 (a certificate of financial responsibility, kept in effect for 3 years from the date you become eligible for reinstatement). You'll also need to pay a $60 license reinstatement fee and a $50 registration reinstatement fee. There are six ways to satisfy the requirement and prevent or lift the suspension: showing proof you had insurance in effect at the time of the crash, making a security deposit, entering an installment payment agreement, getting a signed release of liability from every other party involved, reaching a written settlement agreement, or requesting a Safety Responsibility hearing if you believe you weren't at fault.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Wyoming

WYDOT Driver Services · checked Jun 30, 2026

WY

Wyoming has two uninsured scenarios that can lead to a suspension. The first is routine uninsured suspension, which happens after a citation or a failed verification of insurance. You get 7 days to show proof of insurance before your license is suspended, and the suspension lasts about 30 days from the date of the notice. For a first offense, only your license is affected. The second scenario is an uninsured accident involving more than $1,000 in damage or an injury to someone outside your household. In this case your license is suspended regardless of who was at fault, and you can resolve it through any one of the following: an SR-21 (proof that you had insurance in effect at the time of the accident), a notarized release signed by all parties involved, a conditional release, or a cash deposit. This suspension lasts indefinitely until you comply. It does not increase in length for repeat situations. To reinstate your license under either scenario, you need to: obtain liability insurance coverage that meets Wyoming's minimum of 25/50/20; have your insurance company file an SR-22 with the state, which stays in effect for 3 years from the date your suspension started (Wyoming calls this a 'Certificate of Financial Responsibility,' but it accepts the standard SR-22 form); and pay the flat $50 reinstatement fee.

Recorded category summary only. Confirm whether it applies using the current official record and source.

Insurance rules, filing periods, and accepted proof can change. Confirm current requirements with the issuing agency and a properly licensed insurer before purchasing coverage or relying on a filing.