Navigating SR-22 Requirements When Moving Out of State
Relocating to a new state requires careful planning if you need to meet SR-22 requirements.
If you’ve decided to relocate and you hold SR-22 coverage, you may be wondering what happens to your car insurance when moving states. Keeping your SR-22 coverage active is an important part of restoring your driving privileges. If there’s a break in your coverage, you may have to start over, increasing the amount of time you're required to carry this certificate for high-risk drivers.
Staying up to date on each state’s specific terms, even states that don’t require SR-22, can be tricky. Find out how to stay on the right side of the law with out-of-state SR-22 coverage.
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Understanding SR-22 Insurance
If you have a DUI on your record or numerous driving violations, you may need to file an SR-22 certificate. An SR-22 is not an insurance policy itself; rather it’s a document filed by your insurer that verifies you carry at least the minimum auto liability coverage required by your state.
Your car insurance company must file the SR-22 with the state Department of Motor Vehicles (DMV) or appropriate authority on your behalf.
What Is an SR-22 Certificate?
An SR-22 certificate is a document stating you're in compliance with your state's minimum requirements for auto liability insurance. Liability coverage pays the other driver's expenses if you're responsible for a collision. You may need this certificate if you have a history of any of the following:
- Driving under the influence or driving while intoxicated
- Reckless driving
- Driving without insurance
- Driving without a valid license
- Multiple speeding offenses
Because SR-22 insurance is tied to high-risk drivers, it often comes with higher premiums than standard policies.
For more insights on SR-22 insurance, check out our FAQs page.
What Happens to My Car Insurance If I Move States?
Many people wonder about car insurance when moving states. Does everything stay the same? No, you must let your insurance company know you're moving. Insurance is based on your state of residence so you may need a new carrier and your premium depends, in part, on your zip code, so updating your insurer makes it possible to get an accurate quote for your new location. Your new state may also have different minimums for auto liability insurance.
Simply updating your policy isn't enough to meet the SR-22 requirement in your current state. You'll have to follow the steps for maintaining SR-22 compliance after relocation.
Implications of Moving Out of State With an SR-22
If you decide to move out of state, the SR-22 requirement for your current state doesn't just go away. You still have to maintain an SR-22 certificate for the entire filing period. Obtaining an out-of-state SR-22 helps you comply with the requirement and retain your driving privileges.
However, not all carriers offer coverage in each state and policy values can vary wildly. If you’re planning an out-of-state move, speak with a licensed agent at Breathe Easy Insurance Solutions at (833) 786-0237 before making any decisions about your SR-22 insurance.
State Variations in SR-22 Laws
SR-22 insurance isn't a federal motor vehicle requirement, so each state has its own laws regarding this type of coverage and carriers provide coverage per state laws. That means your existing carrier might not continue to be your best option in your new state. For example, a carrier might provide the best coverage in one state, but because of laws in a different state, that same carrier might have higher prices. These variations may prompt you to change carriers altogether when you move states.
In states with SR-22 requirements, you usually must maintain your SR-22 certificate for anywhere from 1 to 3 years. The exact duration depends on several factors, including your driving history.
Laws and regulations are also subject to change, so be sure to verify your specific requirements with your state. Call a Breathe Easy Insurance Solutions licensed agent at (833) 786-0237 for more information.
Steps to Maintain SR-22 Compliance After Relocation
It takes a little effort but the key to maintaining out-of-state SR-22 compliance is to understand how the requirements of your former state translate to your new state. You should obtain a license in your new state within 30 days of changing residence. Then, to maintain SR-22 compliance after relocating, obtain an SR-22 owner or non-owner insurance policy in your new state.
An owner policy is appropriate if you own a vehicle or lease a vehicle in your name. Non-owner policies are for people who plan to drive vehicles they don't own and do not have regular access to. For example, you'll need a non-owner policy if you occasionally rent vehicles for work travel.
Filing an Out-of-State SR-22
Once you have the right insurance policy, you need to get a new SR-22 certificate in your new state. Your insurance company files this certificate with your previous state, which tells the motor vehicle department you're still in compliance with your SR-22 requirements.
Filing for SR-22 insurance in California or any other state? It's a good idea to work with a provider familiar with the local process, like the team here at Breathe Easy Insurance.
Consequences of Noncompliance With SR-22 Requirements
If you don't comply with the SR-22 requirements in your old state, you may be unable to get a driver's license in your new state. Your new state may also suspend your license after you've already gone to the trouble of paying the fee and meeting other licensing requirements if you fail to maintain your required SR-22.
Potential Penalties for Lapsed SR-22 Coverage
If your old state finds out you're out of compliance, you may have to start your SR-22 coverage period all over again. If your SR-22 certificate is tied to your court case, falling out of compliance may even result in fines and other criminal penalties.
At Breathe Easy Insurance, we specialize in helping drivers navigate the SR-22 process with confidence, including help with filling out an out-of-state SR-22 certificate. Call us at (833) 786-2037 or request a personalized quote today.
Tips for a Smooth SR-22 Transition Between States
If you have to meet SR-22 requirements, moving out of state requires careful planning. Make the transition easier by notifying your insurance company right away, following up to make sure your new SR-22 certificate is active, and keeping good records. Save multiple copies of your insurance documents in case you need to send them to the motor vehicle department in your old state or your new state.
Consulting With SR-22 Specialists
An SR-22 specialist can help you stay on track during the relocation process, including assistance with filing an out-of-state SR-22 certificate. Breathe Easy Insurance has trained professionals available to answer your questions and make sure you understand the potential consequences of failing to maintain a valid SR-22 certificate.
Don’t let the stress of SR-22 requirements overwhelm you. Choose Breathe Easy’s licensed insurance agents to search through a variety of insurance options to find low-priced SR-22 coverage tailored to your budget and needs. Contact us now to take the first step toward affordable SR-22 insurance and peace of mind.
