SR-22 & FR-44 Filing by State (2026)

After a serious driving violation, most states make you file an SR-22 to reinstate your license. Two states use the stricter FR-44, and eight skip the form entirely. Here is the full 50-state (plus D.C.) map.

By The InsurTool Editorial Team · August 2026 · reviewed against official sources

Last updated: August 2026Reviewed by the InsurTool editorial teamAbout InsurTool
41
SR-22 required
2
FR-44 (FL, VA)
8
No SR-22 form

What is an SR-22 — and what is an FR-44?

An SR-22 is not a policy; it is a certificate your insurer files with the state confirming you carry at least the legally required liability coverage. An FR-44 is the same idea but with much higher limits, required only in Florida and Virginia after DUI-related convictions. Florida's FR-44 requires $100,000 / $300,000 / $50,000 (per person / per accident / property damage) under Florida Statutes 324.023; Virginia's FR-44 requires $100,000 / $200,000 / $50,000 on policies issued or renewed on or after January 1, 2025 (Virginia DMV). Most filings last three years (Connecticut and North Dakota: one year), and a lapse restarts the clock.

StateFiling requirement (2026)
AlabamaSR-22 required
AlaskaSR-22 required
ArizonaSR-22 required
ArkansasSR-22 required
CaliforniaSR-22 required
ColoradoSR-22 required
ConnecticutSR-22 required
DelawareNo SR-22 form
District of ColumbiaSR-22 required
FloridaFR-44 (also SR-22)
GeorgiaSR-22 required
HawaiiSR-22 required
IdahoSR-22 required
IllinoisSR-22 required
IndianaSR-22 required
IowaSR-22 required
KansasSR-22 required
KentuckyNo SR-22 form
LouisianaSR-22 required
MaineSR-22 required
MarylandSR-22 required
MassachusettsSR-22 required
MichiganSR-22 required
MinnesotaNo SR-22 form
MississippiSR-22 required
MissouriSR-22 required
MontanaSR-22 required
NebraskaSR-22 required
NevadaSR-22 required
New HampshireSR-22 required
New JerseySR-22 required
New MexicoNo SR-22 form
New YorkNo SR-22 form
North CarolinaNo SR-22 form
North DakotaSR-22 required
OhioSR-22 required
OklahomaNo SR-22 form
OregonSR-22 required
PennsylvaniaNo SR-22 form
Rhode IslandSR-22 required
South CarolinaSR-22 required
South DakotaSR-22 required
TennesseeSR-22 required
TexasSR-22 required
UtahSR-22 required
VermontSR-22 required
VirginiaFR-44 (also SR-22)
WashingtonSR-22 required
West VirginiaSR-22 required
WisconsinSR-22 required
WyomingSR-22 required

Sources: state DMVs; Florida Statutes 324.023; Virginia DMV FR-44; MoneyGeek and carinsurance.com 2026 SR-22 state lists. Retrieved 2026-08-11. A few sources also list Mississippi or Rhode Island as "no SR-22" — the mainstream 2026 consensus places both in the SR-22-required group. Always confirm with your state DMV.

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Educational information only — not insurance, financial, or legal advice. Confirm filing rules and durations with your state DMV. See ourfull disclaimer.

InsurTool·Editorial review 2026-08-14

Estimates are prepared by the InsurTool editorial team from NAIC model-act references, state Department of Insurance rate publications, and carrier methodology disclosures, and reviewed for accuracy by a named editor before publication. This site is educational, not insurance, brokerage, or financial advice.

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