Get Back on the Road to Work, Legally

How This Works

1. Select Your State
   Each state uses different terms for restricted driving privileges and has unique SR-22 filing rules. Start by choosing your state to see the exact license type, filing requirements, and approved driving hours that apply to your case.
2. Review Coverage Options
   Compare liability minimums, SR-22 filing fees, and non-owner policy options. You'll see monthly premium ranges from carriers that write policies for restricted license holders, with no obligation to buy.
3. Get Coverage Fast
   Most carriers issue SR-22 certificates within 24 hours of policy purchase. Your filing goes directly to the DMV or court, meeting the deadline you were given at your hearing.

Our Data Sources

Everything we publish about state requirements, costs, and rules comes from official state records, not guesses or estimates.

• State Departments of Insurance. We pull coverage requirements, minimum liability limits, and reinstatement rules straight from each state’s Department of Insurance.
• State motor vehicle agencies and traffic codes. Violation rules, license suspension details, and SR-22 and FR-44 filing requirements come from state motor vehicle agencies and traffic codes.

State requirements vary by jurisdiction and are subject to change; consult your state’s Department of Insurance or motor vehicle agency before relying on this information.

1. Hardship License Insurance
   A hardship license (called an occupational license in some states) allows you to drive to work, medical appointments, and court-ordered obligations after a suspension. Most states require SR-22 filing and proof of liability insurance before the DMV will issue the restricted privilege.
2. SR-22 Insurance
   SR-22 is a certificate your insurer files with the state proving you carry at least the minimum liability coverage. Filing costs typically add $25 to $50 to your policy, and lapses trigger automatic license re-suspension in all SR-22 states.
3. Non-Owner SR-22
   If you don't own a vehicle but need SR-22 filing to maintain a hardship license, non-owner policies provide liability coverage when you drive someone else's car. Monthly premiums typically range from $30 to $60 for state minimum limits.
4. Restricted License SR-22
   A restricted license limits when, where, and why you can drive. SR-22 filing is mandatory in 49 states for DUI-related restrictions, and your insurer must notify the DMV immediately if your policy cancels or lapses for any reason.
5. Occupational License Insurance
   Texas, Wisconsin, and Indiana use the term occupational license for work-related driving privileges after suspension. You must show proof of insurance and SR-22 filing to the court before the judge signs your occupational license order.
6. Work Permit SR-22
   A work permit (also called a work license or employment driving permit) allows suspended drivers to commute to and from their job. SR-22 coverage must remain active for the entire restriction period, which typically lasts 6 to 12 months depending on the violation.