Can an SR22 be added to my current policy?
In some cases, yes. If your current carrier writes SR22 filings in your state, they can add the certificate to your existing policy. However, many standard insurance companies don't offer SR22 filing, which would require switching to a carrier that does.
When You Can Stay with Your Carrier
Some larger insurance carriers do write SR22 filings. If yours is one of them, they can add the SR22 certificate to your existing policy. Your premium will likely increase because the underlying violation (DUI, driving without insurance, etc.) reclassifies you as a high-risk driver.
When You Need to Switch
Many standard carriers — particularly those that focus on preferred or standard-risk drivers — do not write SR22 policies. If your carrier doesn't offer SR22 filing, you'll need to switch to one that does.
This is actually where you might save money. Specialized high-risk carriers often offer lower rates for SR22 drivers than standard carriers that reluctantly write the occasional SR22. We compare rates from 15+ carriers to find the best option for your situation.
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