What Is SR-22 Insurance?
SR-22 is a certificate of financial responsibility filed by your insurer to prove you carry minimum liability coverage. California requires it after DUI, driving uninsured, or license suspension.
What Is an SR-22?
An SR-22 is not a type of insurance. It is a certificate your auto insurance company files with the DMV to prove you carry at least the state minimum liability coverage. The DMV requires this form after certain violations.
Who Needs an SR-22?
You typically need an SR-22 after a DUI conviction, driving without insurance, accumulating too many points on your license, or having your license suspended or revoked.
How to Get an SR-22 in California
Contact your insurance provider and request an SR-22 filing. Your insurer submits the form electronically to the California DMV. The process usually takes one to three business days. There is a small filing fee, typically between $15 and $25.
How Long Do You Need an SR-22?
California requires you to maintain an SR-22 for three years from the date of filing. If your policy lapses or is canceled during this period, your insurer notifies the DMV and your license may be suspended again.
SR-22 Costs and Coverage
The SR-22 certificate itself costs a small filing fee. However, your insurance premiums will likely increase because the violations that triggered the SR-22 place you in a high-risk category. Shopping multiple carriers can help you find competitive rates.