Coverage lapse consequences, state by state
A gap of a few days costs nothing in some states and hundreds of dollars in others. The fee is charged for restoring you, so it is owed whether the gap lasted a month or an afternoon.
51 jurisdictions. Click a column heading to sort by it; click a state to see the law behind its figure.
| Oklahoma | $300 | Not applicable — Oklahoma has no SR-22 class of drivers | Required, but no citation if the officer verifies coverage electronically |
| Indiana | $250 | Suspension reinstated | Paper or electronic proof when an officer asks |
| Rhode Island | $250 | Not applicable — Rhode Island has no SR-22, and everyone is watched the same way | Required on demand — and it can be on your phone |
| Alabama | $200 | License and registration must be surrendered | Required, unless the officer verifies coverage electronically |
| South Carolina | $200 | Suspended again until new proof is filed | Required — paper or phone accepted |
| Connecticut | $175 | Not applicable — Connecticut has no SR-22 | Insurance identification card and registration required |
| Florida | $150 | License and registration suspended | Required |
| Virginia | $145 | License, registration and plates suspended | Keep proof in the vehicle |
| Pennsylvania | $119 | — | Required |
| Alaska | $100 | The insurer must tell DMV, and driving privileges stop until new proof is filed | Required — a mandatory $500 fine if you cannot show it |
| Arkansas | $100 | Proof has to go back on file before anything is reinstated | Required — paper or on your phone |
| District of Columbia | $100 | Registration cannot continue without proof on file | Required — $30 fine |
| Illinois | $100 | Driving record suspended on the SR-26 | Required |
| Kansas | $100 | Suspension resumes until a new filing arrives | Required |
| Louisiana | $100 | Proof must be re-filed for the remainder of the three years | Required |
| Mississippi | $100 | License must be returned to the department | Required, unless the officer verifies coverage electronically |
| Montana | $100 | Ten days' notice to the state, then the revocation resumes | Required, but the database outranks your card |
| New Hampshire | $100 | Suspended 20 days after the SR-26 notice | License and registration only |
| New Jersey | $100 | — | Required |
| Texas | $100 | License re-suspended immediately | Required |
| Colorado | $95 | License suspended until new proof is filed | Required |
| Oregon | $85 | License suspended until a new filing is made | Required |
| Idaho | $75 | Suspension resumes for whatever is left of the term | Required, but the database can clear you |
| South Dakota | $75 | The carrier must tell the state within fifteen days, and license and registration are suspended | Only as a secondary action — an officer cannot stop you to check it |
| Washington | $75 | License re-suspended | Required |
| Tennessee | $65 | License and registration suspended | Required |
| Georgia | $60 | Driver's license cancelled | Required, unless state records show coverage |
| Wisconsin | $60 | Operating privilege suspended | Required |
| Delaware | $50 | Not applicable | Required — a missing card is treated as driving uninsured |
| Maine | $50 | Insurer must tell BMV 10 days before the cancellation takes effect | Required — failing to produce it is prima facie evidence you are uninsured |
| Massachusetts | $50 | Not applicable | Registration certificate and license |
| Nebraska | $50 | Suspension until a new filing arrives, and the three years restart | Required, but you get ten days to produce it |
| New York | $50 | Not applicable | Required |
| North Carolina | $50 | Restored license suspended 30 days | — |
| North Dakota | $50 | Suspension resumes until a new certificate is filed | Required |
| West Virginia | $50 | Not applicable | Required — keep it in the vehicle at all times |
| Wyoming | $50 | Ten days' notice to the state, then the filing is broken | Required, but you get seven days to produce it |
| Kentucky | $40 | No SR-22 in Kentucky — the registration is what is at risk | Required |
| Ohio | $40 | Suspension resumes until a new SR-22 is filed | Required |
| Utah | $40 | Suspension resumes for the rest of the three years | Required — class C misdemeanor since May 2026 |
| Minnesota | $30 | Revocation resumes until proof is filed again | Required |
| New Mexico | $30 | Registration suspended until new proof is filed | Required; a phone is accepted |
| Michigan | $25 | Suspension resumes until proof is restored | Required |
| Iowa | $20 | License and registrations suspended | Required |
| Missouri | $20 | License and plates re-suspended | Required |
| California | $14 | Driving privilege re-suspended | Required |
| Arizona | $10 | License and registration suspended | Required |
| Hawaii | Set by each county — Honolulu $20, Hawaii County $50 | Insurer files a cancellation notice; proof must be restored | Required |
| Maryland | — | Not applicable | Required — $50 fine |
| Nevada | $250 – $750 | License and registration suspended | Required |
| Vermont | None for an insurance-only suspension ($96 otherwise) | Suspended on the day the policy ends — no grace period | Required — but you have 7 business days to produce it |