Where can I buy an out-of-state SR22 auto insurance filing?

Where can I buy an out-of-state SR22 auto insurance filing?


     Buying an auto insurance policy with an SR22 filing attached can sometimes be a real pain in itself!  But if you live in one state and need an SR22 auto insurance filing in another state, it becomes even more difficult.  While you can find plenty of information out there about in-state SR22 filings, there’s not much information available about out-of-state SR 22 filings.  The most frustrating part is that only a small percentage of auto insurance companies will accommodate drivers who need out of state SR22 filings. If you don’t know exactly where to look for such a policy, it can be like finding a needle in a haystack.

     Fortunately, it’s not a lost cause…. There are companies out there that can take care of your problem… If you currently live in Ohio, Michigan, Indiana, Pennsylvania, Virginia or West Virginia, I can help you personally regardless of which state you need the SR22 in…. If you do not currently live in one of those states, this article will at least arm you with what you need to know and steer you in the right direction. Things aren’t as complicated as they seem to be. It just takes three simple steps: 1. Setting your policy up in the right state 2. Choosing the right liability coverage level and 3. Knowing where to look…… Let’s get started!


1. Setting up your policy in the right state.

The state that you need to have the SR22 filing in doesn’t matter…. What matters is the state that you’re currently living in. You need to set up your policy in your state of residence. You need to find an agent in that state, not the state you need the SR22 in.


2. Choosing the right Liability coverage level.

This part is a little tricky, but not impossible…. Each state decides what their state minimum level of liability coverage is. SR22’s are based on a state’s minimum liability requirement. You need to look up what the state minimum liability requirement is in both the state you’re currently living in and the state you need the SR22 filing in…. Whichever requirement is higher for both bodily injury and property damage between the two states, that’s the level you need to carry on your policy. An agent can help you with that.


Here are the current state minimum requirements in the six states that I represent:

• Ohio 25/50/25
• Michigan 20/40/10
• Pennsylvania 15/30/5
• Indiana 25/50/10
• Virginia 25/50/20
• West Virginia 24/40/10

*The first two numbers represent bodily injury liability coverage (in 1000’s).
**The third number represents property damage liability (in 1000’s).
If you need to look up another state’s requirements, a simple google search will work, or your agent can look it up for you.


3. Where to look for an auto insurance policy with an out of state filing.


Your best bet is to find an independent agent online that specializes in SR22 auto insurance (aka high risk or non-standard insurance). They are best equipped to handle that “needle in a haystack” problem. The companies that they carry are some of the few who will help you. And they will more than likely carry enough companies to find you an affordable rate. Looking just about anywhere else probable is a lost cause. Less than half of auto insurance companies won’t handle in-state SR22’s, let alone out-of-state SR22’s, which narrows the choices down to a small slice of companies. An SR22 auto insurance agent is the most likely to be able to help you.


    Shopping online for an agent is the best way as far as efficiency. Just make sure you’re quoting with an actual agent and not directly to a company (quoting one company at a time for your needs would take forever!). Also, make sure you are quoting online with an actual agent/agency vs. quoting with a generic auto insurance quoting site (a real agent/agency will have real names, addresses and phone numbers displayed on their site vs. the fake sites that are anonymous).


What if I need an out of state SR22 filing, but I don’t own a vehicle?

You simply need a Named Operator’s policy. Everything I’ve said here about regular auto insurance also applies to a named operator policy for those who don’t own a vehicle, but still need an SR22 to get their license back.


Summary:

There’s no getting around it. Looking for an out-of-state SR22 filing can be a real pain! Follow the steps above and it will make your problems much easier to solve. For those of you who live in Ohio, Michigan, Indiana, Pennsylvania, Virginia or West Virginia, I would be more than happy to help you personally. Simply click one of the quote forms below.


Get an out-of-state SR22 Quote with Lyles Insurance here if you own a vehicle


Get an out-of-state SR22 Quote with Lyles Insurance here if you Do Not own a vehicle


Call me for a Quote



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Related Blog Articles:

​Video: Out of State SR22 Auto Insurance Filings

Video: How SR22 State Filings work with Auto Insurance