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SR-22 in California

SR-22 Insurance in California

Get help filing an SR-22 and finding auto insurance that meets California DMV requirements.
Get My SR-22 Insurance Quote
Same-day SR-22 filing available in many cases
Many California drivers must file an SR-22 after certain violations, such as driving without insurance or DUI convictions.
An SR-22 is a certificate filed with the DMV that confirms you carry the state’s required auto liability insurance.
What is the SR-22?

What Is an SR-22 in California?

An SR-22 is a certificate of financial responsibility that an insurance company files with the California DMV on behalf of a driver. The certificate verifies that the driver carries the minimum required liability insurance coverage under California law.
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If your insurance policy cancels or lapses during the SR-22 filing period, the insurance company must notify the DMV. This may result in the suspension of your driving privileges again, which is why maintaining continuous coverage is essential. The minimums in California (as of 2026) are:
$30,000
Bodily injury liability per person
$60,000
Bodily injury liability per accident
$15,000
Property damage liability
Why Do I Need One?

Why Drivers May Need SR-22 Insurance in California

The California DMV or a court may require an SR-22 filing after certain violations. Once the requirement is issued, drivers must obtain qualifying auto insurance and have the SR-22 filed with the DMV. Common reasons drivers are required to file an SR-22 include:
Driving without auto insurance
Drivers cited for operating a vehicle without valid insurance may be required to file an SR-22.
DUI or DWI convictions
Courts often require an SR-22 filing after DUI or DWI convictions before driving privileges are restored.
Multiple traffic violations
Drivers with repeated serious traffic violations may be required to file an SR-22 with the DMV.
License suspension or revocation
An SR-22 may be required to reinstate driving privileges after a suspension or license revocation.
Involved in an accident without insurance
Drivers involved in an accident without insurance may be required to file an SR-22 before driving again.
How Long?

How Long Do You Need an SR-22 in California?

In most situations, drivers must maintain an SR-22 filing for three years. However, the exact length of time can vary depending on the violation and court order. Working with an insurance agency that understands SR-22 requirements can help drivers maintain compliant coverage during the required period. During this period:

Your insurance policy must remain active

Your auto insurance must stay active during the entire SR-22 filing period. If it cancels, the California DMV must be notified.

The SR-22 filing must stay on record

The SR-22 confirms your policy meets California financial responsibility laws and must remain on file with the DMV.

A lapse in coverage can restart the filing period

If your insurance lapses during the SR-22 requirement, the DMV may suspend your license and restart the filing period.
Get My SR-22 Insurance Quote
Get My SR-22 Insurance Quote
How Much?

How Much Does SR-22 Insurance Cost in California?

The SR-22 filing itself is usually a small administrative fee, but drivers who are required to file an SR-22 are often considered higher risk by insurers. A licensed insurance agent can help drivers compare coverage options that meet California’s financial responsibility requirements.The cost of a policy may depend on factors such as:
Driving history
Violations that triggered the SR-22 requirement, along with your overall driving record, can affect pricing.
Age and location
Your age, driving experience, and where you live in California can influence insurance rates.
Vehicle type
The vehicle you insure, including its value, safety features, and repair costs, may affect premiums.
Coverage level
Higher liability limits and lower deductibles may increase the cost of your insurance policy.
How do I get an SR-22?

How to Get SR-22 Insurance in California

Many insurers can submit SR-22 filings electronically, which allows the DMV to process the certificate quickly. Getting SR-22 insurance typically involves a few basic steps.

Request an SR-22 Quote

Start by requesting an auto insurance quote that includes SR-22 filing.

Choose a Compliant Policy

Select a policy that meets California’s liability insurance requirements.

File the SR-22

Submit the SR-22 certificate electronically to the California DMV.

Maintain Active Coverage

Maintain active insurance throughout the required SR-22 filing period.
Get My SR-22 Insurance Quote
Support

FAQs About SR-22 Insurance in California

We have answers for you on all things insurance.
Is SR-22 insurance required for all drivers in California?
No. SR-22 filings are only required when ordered by the California DMV or a court after certain violations.
Can I get SR-22 insurance if I don’t own a vehicle?
Some insurers offer non-owner SR-22 policies for drivers who do not own a car but still need to file the certificate.
What happens if my SR-22 policy lapses?
If coverage lapses, the insurance company must notify the DMV, which can lead to another license suspension.
Can SR-22 insurance be filed electronically in California?
Yes. Many insurance companies submit SR-22 certificates electronically to the California DMV.

SR-22 Insurance in Major California Cities

Sun Coast General Insurance works with drivers throughout California who need SR-22 filings. Drivers in large metropolitan areas often search for local coverage options. Learn more about SR-22 insurance in these California cities:
Los Angeles
San Diego
Sacramento
San Francisco
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Sun Coast General Insurance Agency, Inc. is a wholesale insurance agency and authorized program administrator for several insurance companies authorized to sell in Arizona, Alaska, California, Colorado, Florida, Hawaii, Nevada, Oregon, Texas, Utah and Washington. We provide consumers with online, phone, and in-person insurance services through our insurance company and independent agent relationships.
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