SR-22 Insurance California From $12/mo

An SR-22 is not insurance, it's a certificate your insurance company files with California DMV to prove you have required minimum liability coverage. It's required for high-risk drivers after certain violations.

In California, you typically need to maintain SR-22 for 3 consecutive years without gaps. The period starts from your eligibility restoration date, not violation date. Any lapse restarts the 3-year period.

SR-22 has two costs: filing fee ($0-25) and increase in your insurance premium. With QuoteMoto, filing is free. Insurance with SR-22 typically costs $12-52/month depending on your history.

Yes, you can get SR-22 without a car with a non-owner policy. This covers you when driving borrowed or rented cars. It's cheaper than regular SR-22 and keeps your license active.

If your SR-22 lapses, your insurer immediately notifies DMV and your license will be suspended. You'll need to restart the 3-year period. Keep your policy active to avoid issues.

Yes, you can switch insurers, but must maintain continuous coverage. Get your new policy with SR-22 before canceling the old one to avoid gaps that restart your 3-year period.

Standard SR-22 covers only the vehicle listed on the policy. If you have multiple vehicles, you need SR-22 for each or consider a broad form policy if available.

You can cancel SR-22 after completing the required period (usually 3 years). Verify with DMV before canceling. Early cancellation results in license suspension.

SR-22 itself doesn't affect your credit. However, higher insurance premiums might impact your finances. Keep payments current to protect your credit score.

If your violation was on a motorcycle or you need SR-22 and ride a motorcycle, yes you need motorcycle SR-22. QuoteMoto offers SR-22 for all vehicle types.

Yes, QuoteMoto offers same-day SR-22 filing. Once approved and paid, we file electronically with DMV immediately. You'll receive confirmation within minutes.

Yes, insurance with SR-22 is typically 20-50% more expensive due to higher risk. However, QuoteMoto compares 15+ carriers to find the best rates available.

You need: driver's license or ID, vehicle information (if applicable), DMV letter requiring SR-22, and payment method. QuoteMoto guides you through the entire process.

Yes, in fact, SR-22 is often required to restore a suspended license. QuoteMoto can help you get SR-22 to meet DMV reinstatement requirements.

Your California SR-22 insurance covers you in other states for travel. However, if you move, you'll need to get SR-22 in your new state of residence.

You can verify your SR-22 online at DMV website, by calling DMV, or visiting an office. QuoteMoto also provides immediate filing confirmation.

SR-22 is required for: DUI/DWI, driving without insurance, driving on suspended license, at-fault accident without insurance, multiple traffic violations, and certain underage violations.

Yes, even with SR-22 you may qualify for discounts: good student, paid-in-full, multi-policy, safe driver (after period), and more. QuoteMoto finds all available discounts.

Yes, QuoteMoto files SR-22 electronically with California DMV statewide. No matter where you live in California, we can help with instant filing.

After completing 3 years without gaps, you can remove SR-22 from your policy. Your insurance will drop significantly. QuoteMoto helps you transition to regular insurance with better rates.