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SR22 Insurance Informational Posts

SR-22 Insurance in California: What You Need to Know

Updated: Aug 23, 2023


In auto insurance, SR-22 is a term that often causes confusion and raises numerous questions. You're not alone if you've heard about SR-22 insurance in California but are still determining what it entails. This blog aims to shed light on the topic, providing a comprehensive understanding of SR-22 insurance, its purpose, how it works in California, and its implications.

Understanding SR-22 Insurance

SR-22 insurance is not auto insurance but rather a certificate of financial responsibility. It's often required for individuals deemed high-risk drivers due to specific driving-related incidents. These incidents include DUI (Driving Under the Influence) or DWI (Driving While Intoxicated) convictions, reckless driving, driving without insurance, or multiple traffic offenses.

The primary purpose of an SR-22 certificate is to demonstrate that a driver has the necessary auto insurance coverage to meet the state's minimum liability requirements. It's a guarantee the condition that a high-risk driver is financially responsible and capable of covering potential liabilities in case of an accident.

SR-22 in California

In California, SR-22 insurance operates similarly to other states but has its own regulations and requirements. If you find yourself in a situation where you need an SR-22 certificate in California, here are some key points to keep in mind:

  1. Requirement Duration: The length of time you'll be required to maintain SR-22 coverage in California depends on the severity of your offense. Typically, it ranges from three to five years. It's crucial to keep your policy active throughout this period; any lapse could result in severe consequences.

  2. Filing Process: To obtain an SR-22 certificate, contact your insurance provider. They will file the necessary paperwork with the California DMV on your behalf. Not all insurance companies offer SR-22 filings, so you might need to shop to find one that does.

  3. Insurance Costs: Due to the high-risk nature of SR-22 insurance, your premium rates are likely to increase significantly. However, rates vary among insurance providers, so it's wise to compare quotes from multiple insurance companies to find the most affordable option.

  4. Policy Requirements: California's minimum liability coverage requirements are 15/30/5, meaning $15,000 for bodily injury liability coverage per person, $30,000 for bodily injury liability coverage per accident, and $5,000 for property damage liability coverage per accident. Your SR-22 insurance policy should meet or exceed these limits.

  5. Driving Privileges: Once you've obtained SR-22 insurance, your driving privileges can be reinstated. Without it, your license may remain suspended, and you could face legal consequences if caught driving without proper coverage.


While SR22 insurance might seem complex and daunting, it is essential to ensure that high-risk drivers take financial responsibility for their actions on the road. If you need an SR-22 certificate in California, it's crucial to understand the requirements, maintain your coverage diligently, and drive responsibly.

Remember, each state has its own set of rules and regulations surrounding SR-22 insurance, so it's recommended to consult the California DMV or a knowledgeable insurance professional for accurate and up-to-date information. By staying informed and taking the necessary steps, you can confidently and easily navigate the world of SR-22 insurance.

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