Removing an SR22 filing from your auto insurance requires careful consideration to avoid license suspension. This document serves as a guarantee to the state that high-risk drivers maintain continuous insurance coverage. Premature cancellation can lead to immediate reinstatement of license suspension.
Understanding when and how to properly terminate an SR22 filing is essential for drivers looking to transition to standard insurance or who have fulfilled their state-mandated probationary period. The process varies by state, but following proper procedures ensures a smooth transition without legal complications.
Key Takeaways
- SR22 filings should only be removed when switching insurers or after completing the required probation period.
- Improper removal of an SR22 before fulfilling state requirements will result in license suspension.
- Following correct procedures for SR22 termination helps drivers transition back to standard insurance coverage without penalties.
Switching Insurance Companies
Let's start with those who are planning to switch insurance companies because they have found a lower rate or they just don't like the company. This is common since most drivers will be required to carry the SR-22 for three years it is likely lower rates are available during this time at another company. Here is a checklist of how to go about switching auto insurance while you have SR22 filed:
- Get SR22 Insurance Quotes - Before switching companies compare rates from leading companies in your state. Each insurance company has different rates so you may be able to save 25% or more.
- Start New SR22 Policy - Prior to canceling the old policy make sure you have the new one in force and the SR22 is filed with the state. It can take a few days for the state to receive this information.
- Cancel Old SR22 Policy - Once you get confirmation from the new insurance company that the policy is in force and the SR-22 has been filed you can cancel the old policy. To ensure that there is no lapse in coverage I would recommend cancelling the old policy 2-3 days after the new one is in force. This will allow time for the new filing to update at the state motor vehicle department.
Required SR22 Period Completed
Now let's discuss removing an SR22 filing from your auto insurance policy once the three year probation period is complete. Depending on your court decision you may be required to maintain an SR-22 for 3-5 years so check with your court documents.
Some states will send a notice that your SR22 filing period is complete but most states don't so the only way to know is by referencing the original court paperwork. Here is a checklist of how to remove an SR22 from your auto insurance:
- Reference Court Documents - These court documents would be available to you after the hearing and will detail each step needed to reinstate your license. In this paperwork is how long you will be required to maintain an SR22 form.
- Call State Department of Motor Vehicles - Prior to making any changes on your SR22 insurance policy you should call the DMV to confirm you are eligible to remove the SR-22 filing.
- Call Insurance Company to Remove SR22 - After you have confirmed with your court documents and with the state then the only step left is to call the insurance company and inform them that the SR22 is no longer needed. The insurance company will remove the filing from your auto insurance at this time.
A careful transition between insurance companies prevents coverage gaps that could result in license suspension. The state monitors your continuous SR-22 coverage, and any interruption will trigger automatic notification to the DMV. After completing your required SR-22 period, your insurance costs will likely decrease significantly. Many insurers offer substantial rate reductions once the SR-22 filing is removed from your policy.
Remember that your driving record still impacts your rates for several years after the SR-22 requirement ends. Maintaining a clean driving record helps rebuild your insurance profile and access better rates over time. For more information about SR-22 requirements and options, visit the SR22 insurance quotes page.
