SR-22 · Updated September 2026
In Missouri the filing is generally required for three years, and the clock typically starts at the date your license is reinstated rather than the date of the offense. Kansas and Oklahoma set their own periods, and the exact term can depend on the offense and on your individual order.
Confirm your end date with the licensing agency rather than counting forward yourself. The consequence of being wrong is another suspension, which is a far worse outcome than carrying the filing a month longer than necessary.
Most people assume the three years run from the date of the incident. They usually run from reinstatement, which can be months later once court requirements, fees and any suspension period are satisfied.
That gap is the single most common reason someone cancels a policy early, gets a notice from the state, and starts over.
A lapse in coverage while the filing is required generally restarts the clock. So does a new violation of the kind that triggered the requirement in the first place.
In other words, the fastest way through an SR-22 period is an uneventful one: keep the policy paid and in force, and avoid anything that produces a new filing requirement.
Once the term is complete, the filing can be removed and your rate generally improves — though the underlying violation may still affect pricing for a while longer, since violations and filings age off on separate schedules.
Call us before you change anything. We will confirm the release with the state, remove the filing, and re-shop the policy, because the carrier that was the right answer while you carried an SR-22 is frequently not the cheapest one afterward.
Generally three years, typically measured from the date your license is reinstated rather than the date of the offense. The exact term can depend on the offense and your individual order, so confirm it with the licensing agency.
Usually reinstatement, which is often months after the incident. Assuming otherwise is the most common reason people cancel too early and get suspended again.
Yes. A lapse in coverage while the filing is required generally restarts it, as can a new qualifying violation.
The filing can be removed and your rate generally improves. Call us first — we will confirm the release, remove the filing and re-shop the policy, since the right carrier usually changes once the SR-22 is gone.
Questions about your own situation? Call 417.623.8300 or send us your current policy. We are licensed in Missouri, Kansas and Oklahoma.
We file electronically, usually the same day the policy is in force.