Can I switch SR22 companies without a lapse?
Direct Answer
Yes. The key is timing — your new SR22 policy must be active and filed before your old policy cancels. We handle the overlap to ensure there’s no gap in coverage that would trigger an SR-26 notice to the state.
How to Switch Without a Lapse
- Get your new policy quoted and ready — Don’t cancel your current policy until the new one is in place.
- New carrier files the SR22 — Your new carrier files a fresh SR22 certificate with the state.
- Old policy cancels after new one is active — The old carrier will file an SR-26 (cancellation notice), but because the new SR22 is already on file, there’s no gap.
Why People Switch
Rates for high-risk policies can vary dramatically between carriers. A driver paying top dollar with one carrier might save significantly with another — especially as time passes and the violation ages. Comparing rates periodically is smart, particularly after the first year of your filing period.
Call (855) 678-6977 — we can compare rates against what you’re currently paying and handle the switch if there’s savings to be had.
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Talk to a licensed agent who specializes in SR22 and FR44 filings. Same-day electronic filing in 10 states.