Steps to Transition Out of SR22 Insurance: What Happens Next?

Transitioning out of SR22 insurance can be a significant milestone for drivers who carried this form of high-risk insurance.

SR22 insurance is a certificate of financial responsibility required by the state for high-risk drivers. This certificate is often mandated after serious driving offenses such as DUIs, reckless driving or driving without insurance. Your insurance company files the SR22 form with the state to prove that you carry the minimum required liability insurance.

The duration you need to maintain SR22 insurance varies by state and the severity of the offense, but it typically ranges from one to five years. During this period, it is crucial to maintain continuous coverage without any lapses, as any interruption can result in penalties or an extension of the SR22 requirement.

Transitioning Out of SR22 Insurance

The first step is to confirm with your state’s Department of Motor Vehicles (DMV) or equivalent agency that you have fulfilled the SR22 requirement. This confirmation ensures you are no longer obligated to carry the SR22 certificate.

Once you have verified that the SR22 requirement has been met, you can contact your insurance company to inform them of the change. Your insurer will then notify the state that you no longer need the SR22 filing. Your insurance rates may not immediately decrease after the SR22 requirement is lifted. High-risk driving records can impact your premiums for several years, but maintaining a clean driving record and continuous coverage can help improve your rates over time.

Shopping around and comparing quotes from different insurance providers can help you find the best rates and coverage for your needs. Some insurers specialize in high-risk drivers and may offer more competitive rates as your driving record improves.

Contact Us

Contact Drivers Insurance LLC 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.