Compare SR-22 Insurance Rates in California
Get side-by-side comparisons from top SR-22 insurers in California. Find the coverage you need at the best possible price.
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California SR-22 Insurance Rate Comparison
Compare rates and features from top SR-22 insurance providers. Rates shown are for drivers requiring SR-22 filing in California.
| Company | Same Day Filing | DUI Coverage | Multiple Violations | Non-Owner Policy | Mobile App | Best For | |
|---|---|---|---|---|---|---|---|
Progressive | highRiskDrivers | Get Your Quote | |||||
State Farm | customerService | Get Your Quote | |||||
GEICO | affordableRates | Get Your Quote | |||||
Mercury | budgetOption | Get Your Quote | |||||
Infinity | personalizedService | Get Your Quote |
* Rates shown are monthly estimates and vary based on violation type, driving history, and location. Your actual rates may vary.
California SR-22 Requirements
Understanding the minimum coverage and filing requirements
Minimum Liability Requirements
Bodily Injury Per Person
$30,000
Bodily Injury Per Accident
$60,000
Property Damage
$15,000
California requires these minimum liability limits for SR-22 insurance. Higher limits are recommended for better protection.
SR-22 Filing Requirements
- 1
Continuous Coverage
You must maintain continuous SR-22 coverage for the entire required period without any lapses
- 2
Electronic Filing
Your insurance company files the SR-22 certificate electronically with the California DMV
- 3
Proof of Coverage
You'll receive a copy of your SR-22 certificate for your records
- 4
Automatic Reporting
Any changes or cancellations are automatically reported to the DMV by your insurer
SR-22 Insurance Cost by Violation Type
Average monthly costs vary based on the reason you need SR-22 filing. Compare rates to find your best option.
DUI/DWI Conviction
$150-250/mo
Required after alcohol-related violations
Driving Without Insurance
$100-180/mo
Caught driving without proper coverage
License Suspension
$80-150/mo
Reinstating driving privileges
Multiple Violations
$200-350/mo
Excessive points or repeated violations
How We Help You Save on SR-22 Insurance:
- Compare quotes from multiple SR-22 specialists
- Find carriers that accept high-risk drivers
- Access same-day filing options
- Get non-owner SR-22 if you don't have a car
- Flexible payment plans available
- Expert guidance throughout the process
SR-22 Insurance Options
Choose the coverage type that fits your situation
SR-22 After DUI Conviction
If you've been convicted of a DUI, you'll need SR-22 insurance to reinstate your license. This certification proves you carry the required liability coverage.
Requirements:
- Mandatory 3-year SR-22 filing period
- Higher liability limits often required
- Must maintain continuous coverage
Best Providers:
- Progressive - DUI specialist programs
- State Farm - Competitive DUI rates
- Infinity - High-risk expertise
Important: DUI convictions typically result in significantly higher premiums for 3-5 years. Shop around for the best rates.
SR-22 for License Suspension
License suspensions for violations other than DUI also require SR-22 filing. Common reasons include excessive points, driving without insurance, or reckless driving.
Requirements:
- Proof of financial responsibility
- May require payment of reinstatement fees
- Coverage must meet state minimums
Best Providers:
- Mercury - Suspension specialists
- Kemper - Flexible payment options
- National General - Quick filing
Note: The length of SR-22 requirement varies based on the violation. Most suspensions require 3 years of continuous coverage.
Non-Owner SR-22 Insurance
Perfect for drivers who need SR-22 but don't own a vehicle. Provides liability coverage when driving borrowed or rented cars.
Benefits:
- Lower cost than standard SR-22
- No vehicle required
- Coverage for any car you drive
Best Providers:
- Progressive - Non-owner specialists starting at $12/month
- GEICO - Flexible coverage options
- Mercury - Non-owner policy specialists
Tip: Non-owner insurance is the most cost-effective way to maintain SR-22 if you don't own a vehicle.
SR-22 for Multiple Violations
Multiple traffic violations or a combination of offenses may require SR-22 filing with higher coverage limits and longer filing periods.
Considerations:
- Extended filing periods (up to 5 years)
- Higher premium rates
- Limited carrier options
Specialist Providers:
- Infinity - Multiple violation expertise
- National General - High-risk specialists
- The General - Guaranteed acceptance
Warning: With multiple violations, working with a high-risk specialist can help you find coverage when others decline.
SR-22 Insurance Frequently Asked Questions
How quickly can I get SR-22 insurance in California?
Most insurance companies can file your SR-22 certificate with the California DMV the same day you purchase your policy. Electronic filing typically takes just a few hours.
How much does SR-22 insurance cost?
SR-22 insurance costs vary based on your driving record and the reason you need it. The filing fee is typically $25-50, and your insurance premiums may increase by 20-90% depending on your situation.
What happens if I let my SR-22 insurance lapse?
If your SR-22 insurance lapses, your insurance company is required to notify the California DMV immediately. This typically results in license suspension until you reinstate your SR-22 coverage.
Can I get SR-22 insurance without a car?
Yes, you can get a non-owner SR-22 policy if you don't own a vehicle. This provides liability coverage when driving borrowed or rented vehicles.
How long do I need to maintain SR-22 insurance?
In California, you typically need to maintain SR-22 insurance for 3 years. The exact duration depends on your specific violation and court requirements.
Get Your SR-22 Filing Started Today
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