How to Switch Insurance Companies While You Have an SR-22 in Florida

Introduction

Switching car insurance is already a big decision—but if you have an SR-22 in Florida, the process becomes even more important. Many drivers worry that changing insurance companies could cause a lapse in coverage or result in higher costs. The good news? With the right steps, you can switch insurance providers safely and even save money while keeping your SR-22 active.

This guide will explain what an SR-22 is, why it matters when changing providers, and exactly how to switch insurance companies in Florida without penalties.

What Is an SR-22 in Florida?

An SR-22 is not insurance itself—it’s a certificate of financial responsibility filed with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). Your insurance company files it on your behalf to prove you carry the state’s required minimum liability coverage.

In Florida, drivers usually need an SR-22 if they were:

• Convicted of a DUI or reckless driving offense
• Driving without insurance or a valid license
• Found at fault in an accident without proper coverage
• Labeled a high-risk driver by the state

Can You Switch Insurance Companies With an SR-22 in Florida?

Yes! You are free to switch providers even if you have an active SR-22 on file. However, there are extra steps to follow to make sure your coverage doesn’t lapse. A gap in insurance could restart your SR-22 requirement, increase your premiums, or even result in license suspension.

Step-by-Step Guide to Switching Insurance Companies With an SR-22

Step 1: Compare Insurance Quotes From Multiple Providers

Not all insurers handle SR-22 filings in Florida. Some companies charge much higher premiums, while others specialize in high-risk drivers. Use an insurance comparison tool or work with an agency like White Chip Insurance to review multiple providers at once.

Step 2: Confirm Your New Insurer Offers SR-22 Filing

Before switching, confirm that your new insurance company can file an SR-22 with the FLHSMV. Without this filing, your license and driving privileges may be at risk.

Step 3: Purchase Your New Policy Before Canceling the Old One

Timing is critical. Always buy your new policy first and ensure the SR-22 is filed before you cancel your current insurance. This prevents a gap in coverage, which could reset your SR-22 requirement.

Step 4: Cancel Your Old Insurance After the SR-22 Is Filed

Once your new policy is active and the SR-22 has been filed, you can cancel your old policy. Request a written cancellation confirmation from your former insurer.

Step 5: Keep Proof of SR-22 Compliance

Florida requires most drivers to maintain an SR-22 for 3 years. Make sure your new insurer provides proof of filing, and keep copies of all documents for your records.

Tips for Saving Money When Switching With an SR-22

• Bundle insurance policies (auto + renters, auto + homeowners) for discounts.
• Ask about safe driver discounts once you maintain a clean driving record.
• Choose a higher deductible if you can afford out-of-pocket costs.
• Work with a licensed Florida agent who specializes in SR-22 insurance.

Common Mistakes to Avoid When Switching Insurance Companies With an SR-22

• Canceling your old policy too early
• Forgetting to confirm that your new company files SR-22s
• Allowing even a 1-day coverage gap
• Not shopping around for lower premiums

Final Thoughts

Switching insurance companies while you have an SR-22 in Florida is possible—but it requires careful planning. The key is to secure your new policy first, confirm SR-22 filing, and avoid any lapse in coverage.

By comparing quotes, asking about discounts, and working with a licensed Florida insurance agent, you can often save money while meeting the state’s SR-22 requirements.

Ready to switch? Use White Chip Insurance’s free online tool to compare SR-22 insurance quotes in Florida today and make the switch with confidence.