SR-22 Insurance Requirements When Moving to Another State
If you move to another state, you will have to carry your SR-22 insurance with you. Even though some states don’t require SR-22 insurance, you will still have to fulfill your obligations to your previous state no matter what. You will need to find an auto insurance company in your new state that can also file SR-22 forms in your old state in order to have your insurance transferred.
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UPDATED: May 10, 2021
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- Your SR-22 requirements will follow you to another state
- Your new auto insurance provider will need to be licensed in both your old state and your new state
- Failure to fulfill your SR-22 requirements can lead to higher auto insurance rates and possibly a suspended license
Your state may require you to file an SR-22 form if you have a poor driving history. Multiple tickets, DUIs, or failing to keep your auto insurance current can all cost you time and money.
But, what if you leave your state? What if you move or are required to carry SR22 insurance in another state? Do you have to change car insurance when you move states?
These are all important questions to ask if you have SR-22 insurance. Not only can we answer those questions for you, but we can also help you find cheap SR-22 insurance. Before you buy SR-22 auto insurance, compare quotes from different companies to see who can offer you the best deal.
Enter your ZIP code now to compare SR-22 auto insurance rates from multiple companies in your state.
Do you have to keep SR-22 auto insurance if you move to another state?
An SR-22 form simply states that you have auto insurance in place for a set amount of time. States require you to file an SR-22 form if you have serious violations on your driving record or if you allow your auto insurance to lapse. The amount of time you must carry the SR-22 insurance will vary by state.
According to NOLO, the cost of the SR-22 form itself is pretty cheap, but your auto insurance rates will skyrocket.
But, if you move to another state, do you still have to have SR-22 insurance?
The short answer is yes, you still have to carry your SR-22, even if you move to another state. Although there are a handful of states that don’t require SR-22 insurance, your requirements will still follow you.
For example, let’s say you live in Texas and are required to file an SR-22 form. Then you move to New York where SR-22 insurance isn’t required. You will still have to maintain your original SR-22 for the time period that was mandated.
You won’t be able to stop the coverage just because you move to another state.
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How do you stay in SR-22 compliance when you move to another state?
If your state requires SR-22 and then you move, you will still have to complete your requirements for the amount of time you have left. For example, if you have to have SR-22 insurance for three years and you move two years in, you will still have to have SR-22 in your new state for one year.
If you move, you will need to:
- Keep your SR-22 form current.
- Find a new insurance company in your new state and start your auto insurance. If your insurance company offers coverage in your new state, you may be able to just transfer your policy without switching companies.
- Your new company and agent will have to able to file SR-22 forms in both your old state and your new state.
- You can then transfer your SR-22 to your new state and insurance company, but be sure to overlap the coverage for a few days to make sure you are completely covered.
How do I find out if I still need an SR-22? Before you move, contact your auto insurer or the DMV to find out if you need to transfer your SR-22 auto insurance or if you have already met your requirement.
Your insurance company will know how to get an SR-22 removed when you meet your time requirement. Usually, you just have to let your agent know and the coverage can be dropped.
Even if you still need the insurance, you can find affordable SR-22 auto insurance if you shop around. Every company will offer different rates, so comparison shopping will help you find the best deal.
Enter your ZIP code now to compare SR-22 auto insurance quotes from multiple companies in your state for free.