Independent guide for U.S. drivers

Clear answers on SR-22, FR-44 and car insurance after a DUI

If you have just received a DUI, an SR-22 requirement or a cancelled policy, you need straight answers before you call anyone. We explain what each filing is, what changes state by state and what to expect from insurers, without trying to sell you a quote.

Start here: what is SR-22?Compare 13 states in one table

Find your state guide

Arizona California Florida Georgia Illinois Michigan New York North Carolina Ohio Pennsylvania Texas Virginia Washington

The three questions most readers arrive with

Do I need an SR-22 or an FR-44?

Learn the difference, then check which form your state uses.

SR-22 vs. FR-44 →

How do I get one and what will it cost?

Follow the steps, then compare prices by state.

How to get SR-22 insurance →

What if it lapses, or when can I drop it?

Know the consequences of a lapse and how to end the filing cleanly.

What happens if it lapses →

Browse by topic

SR-22 InsuranceWhat the filing is, who needs it, how long it lasts and how to handle a lapse. The best place to begin.

SR-22 by StateRequirements, minimum coverage and filing periods for each state we cover, including states that use FR-44 or neither form.

DUI InsuranceHow a DUI changes your premium, how long the effect lasts and what a second offense means.

High-Risk DriversCoverage after lapses, tickets, at-fault accidents, a suspended license or no prior insurance.

Companies & CostsCost comparisons and reviews of insurers that specialize in high-risk coverage.All 13 states in one tableForm used, filing period and minimum liability limits side by side, with links to each sourced guide. →

State guides

Each state sets its own rules, so each guide names its official sources and shows where figures from different sources disagree. More states are added every week.

ArizonaSR-22

CaliforniaSR-22

FloridaFR-44 and SR-22

GeorgiaSR-22A

IllinoisSR-22

MichiganNo SR-22 by name

New YorkNo SR-22

North CarolinaDL-123 form

OhioSR-22

PennsylvaniaNo SR-22 found

TexasSR-22

VirginiaFR-44 and SR-22

WashingtonSR-22

How we work

Official sources firstState DMV and DPS pages, statutes and published requirements come first, and each guide names them.

We show disagreementsWhen two sources give different numbers, we show both and say where each comes from instead of averaging them.

Corrections welcomeIf you find something outdated, write to us and we will review and fix it. More on the About page.

High Risk Auto Guide is not an insurance company, agency or broker, and is not licensed to sell insurance or give legal advice. Everything here is educational. Confirm requirements with your state agency or a licensed agent before you act.