Can I Switch Insurance Companies While Carrying an SR‑22?

If you’re a Georgia driver with an SR-22 requirement, you may wonder if switching insurance companies is possible, or even advisable.

An SR-22 is a certificate your insurance company files with the state to prove you have the minimum required auto liability coverage. It’s often required after certain driving violations, such as DUIs or driving without insurance. While it’s not a type of insurance itself, the SR-22 filing is a legal obligation for high-risk drivers in Georgia.

Is It Possible to Switch Insurance Companies With an SR-22?

Yes, you can switch insurance providers while you have an SR-22 on file. However, there are important steps and considerations to keep in mind:

• Continuous coverage is critical. Georgia law requires you to maintain uninterrupted coverage while your SR-22 is active. Any lapse can result in license suspension or additional penalties.
• Your new insurer must file the SR-22. When you switch, your new insurance company must file a new SR-22 form with the Georgia Department of Driver Services (DDS) before you cancel your old policy.
• Not all insurers offer SR-22 filings. Some companies may not provide SR-22 services or may charge higher premiums for high-risk drivers. It’s important to confirm this before making a change.

How Our Team Can Help

At Best Rate Auto Insurance, we specialize in helping Georgia drivers with SR-22 requirements find the right coverage. Our team can compare SR-22 insurance options from multiple carriers and guide you through the paperwork and compliance steps to avoid any gaps.

Switching insurance companies with an SR-22 doesn’t have to be stressful. If you’re considering a move or want to explore better rates, contact our team today.

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.