Cheapest SR22 Insurance In California For 2022


WRITTEN BY: Julia Matseikovich

UPDATED: NOVEMBER 04, 2022 | 1 MIN READ

SR22 insurance in California is an insurance certificate proving that a high-risk driver is legally required to have auto insurance in California. If you have an SR22, it’s likely to raise your car insurance premiums by roughly $25 in California. There’s also a fee of $25 to file your SR22 with the state through your auto insurance company.

You must maintain your SR22 for three years through California’s licensing agency. If your insurance coverage lapses within three years, your insurance company must report you to the state. We’ll walk you through the process of obtaining an SR22.

What is SR22 insurance in California?

There are two steps to purchasing SR22 insurance: buying a car insurance policy that meets the state’s liability insurance requirements and having an insurance agent file the SR22 with the DMV. If you’ve had high-risk violations such as suspended licenses or DUI convictions, you must have an SR22.

Proof of financial responsibility to the DMV is needed to obtain auto insurance, and it shows that you have the following:

  • $30,000 of bodily injury coverage per accident
  • $15,000 of bodily injury coverage per person injured in an accident
  • $5,000 of property damage coverage per accident

How long do you need to have an SR22?

Your conviction determines how long you need to maintain SR22 car insurance in California. Most violations require you to have it for three years, but severe infractions like reckless driving require ten years.

It’s essential to keep your coverage active. Any lapses in your SR22 auto insurance cause your driving privileges to be suspended. Your insurer must notify the California DMV of your lapse with an SR-26 form.

Difference between the SR1P and California SR22

If you drive a moped or motorcycle, you might need to file an SR1P instead of the California SR22. SR1Ps are required if your license was suspended or you drove without a license after being convicted of reckless driving.

How much does SR22 cost in California?

SR22 insurance in California costs more than standard auto insurance due to the violation that occurred for you to need an SR22 in the first place. The average cost of SR22 rates in California is $1,592. Auto insurance rates tend to triple after a DUI.

Not all insurers file SR22s for customers with driving violations. It’s best to contact insurance agents to get multiple quotes to see what your options are. Major insurers such as GEICO and Progressive tend to file SR22 forms.

The five cheapest car insurers in California after a DUI

It might be hard to find affordable car insurance after a DUI. It’s likely going to cost you still more than standard auto insurance. The cheapest car insurers after a DUI are:

  • National General is $725 yearly
  • Grange Insurance Association is $723 yearly
  • Bristol West is $1,019
  • Mercury is $926
  • Infinity is $977

Non-owner SR22 insurance in California

If you want to drive but don’t own a car, purchasing a non-owner car insurance policy from an insurer that offers SR car insurance is possible. It provides the minimum liability insurance required in California and satisfies the SR22 requirement.

Who Needs an SR22 in California?

California SR22 is also called “DUI insurance.” This form is required to reinstate your driver’s license after a DUI conviction. Getting a DUI isn’t the only reason why you might have to have SR22 coverage.

Some other incidents that might lead to this include:

  • Driving without car insurance
  • Reckless driving history
  • Getting too many points on your driving record in a short period
  • Driving without auto liability coverage
  • Being at fault in a major collision
  • Not carrying your car insurance documents
  • Not reporting an accident that causes over $1,000 in bodily injury

If you’re conviction of any of the above incidents, your driver’s license might be suspended.

What you need to know about SR22 insurance in California: 

  • Who needs California SR22 auto insurance: California requires drivers convicted of serious violations to have SR22 insurance. The list of offenses includes hit-and-run accidents, reckless driving, and DUI.
  • How much does SR22 insurance raise car insurance premiums: Car insurance rates in California increase by roughly $25. It’s about 3% more than the average California resident pays for auto insurance.
  • What is the minimum SR22 auto insurance coverage in California: Drives must have at least $15,000 in bodily injury liability insurance per person, plus $5,000 in property damage liability insurance.
  • How to file SR22 forms in California: Your insurer files the SR22 form with the DMV. You must keep your insurance policy active for three years with no lapse in coverage.

FAQs

How much does an SR22 cost in California?

The average cost of SR22 rates in California is $1,592.

How long do you have to have SR22 insurance in California?

It depends on the violations you have on your driving record. The least time is three years and goes up to ten years.

What does SR22 cover in California?

The state needs an SR22 (proof of financial responsibility) to ensure a high-risk driver has the following:

  • $30,000 of bodily injury coverage per accident
  • $15,000 of bodily injury coverage per person injured in an accident
  • $5,000 of property damage coverage per accident

How do I get an SR22 in California?

You’ll need to contact your insurance company to get an SR22 and request they file one with the California DMV. You can’t get an SR22 through the DMV; it must come from your auto insurer.

What is the difference between an SR22 and a “California Insurance Policy”?

The difference between an SR22 and a California insurance policy is that an SR22 is for high-risk drivers that have violations on their driving record, and a California insurance policy is for drivers who aren’t high-risk.

What is the purpose of an SR22 in California?

An SR22 proves to the DMV that a driver has an auto insurance policy. They’re required after a person’s driver’s license is suspended due to a major violation.

How long does an SR22 stay on your insurance in California?

It depends on the violations California drivers have on their driving records. The least amount of time is three years and goes up to ten years.

What happens if you get pulled over without SR22 insurance in California?

First-time offenders must pay a fine between $100 to $200 plus assessment fees upwards of $360. The court might also impound your vehicle.

What is the point of SR22 insurance in California?

If convicted of a DUI in California, you need SR22 insurance to reinstate driving privileges.

How to Purchase California SR22 Insurance

Purchasing SR22 car insurance in California for high-risk drivers through a reputable auto insurance company is simple. Ensuring that you have the proper amount of bodily injury liability coverage, comprehensive coverage, or property damage liability is essential, and obtaining car insurance quotes has never been easier.

If you’re ready to get the cheapest auto insurance, it’s as simple as comparing rates as amounts vary by company. We have a helpful tool to find the best car insurance.