Out-of-State Non-Owner SR-22

An SR-22 requirement stays with the state that ordered it, even after you move. That makes buying an out-of-state non-owner SR-22 more complicated than buying an in-state one.

The common scenarios

You moved after the SR-22 was ordered

You need a policy written in your new state that meets its minimum limits, and the insurer must file an SR-22 with the old state. Some states also require the policy to meet the old state's limits, so ask for the higher of the two.

Your new state will not issue a license

Through the national driver databases, a new state can see a hold from your old state. You often need to clear the old state's requirement, which includes an SR-22 filed there, before the new state licenses you.

You moved to a state without SR-22s

If you move to New York, Pennsylvania, Minnesota or North Carolina, you may still need an insurer that can file in your former state. Not every carrier can do this, but some national carriers can.

Tips

• Tell every agent about both states up front.
• Keep copies of all filings and DMV letters.
• Confirm with the old state's DMV that the filing was received.