Question: How do I cancel my SR-22 once my three years are up?
Answer: Removing the SR-22 financial responsibility filing from your car insurance policy may vary slightly from state to state, but it's typically a simple process.
First, you should contact your Department of Motor Vehicles (DMV) to verify your three-year requirement for carrying the SR-22 is over. You can skip this step if you have already received a letter from the DMV, or state, saying your SR-22 is no longer needed.
With verification that the mandate for the SR-22 is satisfied with the state, you can contact your car insurance company to inform them. Your insurance company may require proof that the SR-22 is no longer needed, such as a notification letter from the state.
Your auto insurance provider will now file the right paperwork with the DMV to show you are dropping your SR-22 filing from your car insurance policy.
Forms that help you cancel SR-22
Generally, it is the SR-26 form that is used to show the cancellation of a SR-22. In some states, this doubles as proof of insurance as well as showing that the SR-22 filing has been terminated.
Once this SR-22 is canceled, you will no longer be charged the filing fee at your policy renewal period.
You want to be certain that your SR-22 period is over before canceling this filing with the state. In many states, the period to carry the SR-22 is only three years, but in some states, it is up to five years. Also, states vary on the date that the clock starts ticking on the SR-22 time period.
If you, even accidentally, cancel your SR-22 before your filing period is over, the result could be a suspension of your driver's license or vehicle registration or both.
Compare insurance companies that offer policies that include an SR-22 filing. When going through the quoting process please indicate "Yes" on the driver portion of our online quote when it asks: "Does this driver require a financial responsibility filing?" if you need to find an auto insurance company that will file the SR-22 for you.