Moving Out of State With SR-22 Insurance: What You Need to Know

Relocating to a new state can be an exciting adventure, but if you have an SR-22 requirement, it adds an extra layer of complexity.

An SR-22 is not a type of insurance—it’s a form filed with your state to prove you have the necessary insurance coverage. It is often required after severe driving offenses such as DUIs, driving without insurance or multiple traffic violations.

Steps to Take Before Moving

Before you move, there are several important steps to ensure your SR-22 remains valid:

• Notify your insurance company. Inform your current insurer about your move. They can help you understand if they can continue your coverage in the new state or if you need to find a new provider.

• Understand state regulations. Each state has different insurance requirements. Research the new state’s SR-22 requirements to ensure you remain compliant.

• Maintain continuous coverage. Avoid any lapses in your SR-22 coverage. Continuous coverage is crucial to prevent penalties or license suspension.

Getting SR-22-compliant Insurance in Your New State

If you are required to keep an SR-22 form on file with your current home state, you must secure SR-22 insurance in your new state. A local independent agent can help you find SR-22-compliant auto insurance to meet the minimum requirements.

Your new insurance provider will file the SR-22 form with the state’s Department of Motor Vehicles (DMV) on your behalf. Ensure the new policy meets the state’s minimum coverage requirements.

To avoid any gaps in coverage, maintain your old SR-22 policy until the new one is active. This overlap helps ensure continuous compliance.

Consequences of Non-Compliance

Failing to maintain SR-22 insurance when moving out of state can lead to severe consequences, including license suspension, additional penalties and difficulty getting new insurance.

Contact Us

Contact Universal Insurance Services in Chicago, Illinois, for an SR-22-compliant auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.