Written by Pedro Mendoza, Founder & Senior Editor, QuoteMoto. Last updated: August 7, 2026

The short answer

The DMV may require proof of financial responsibility after certain incidents or suspensions. The insurer files the certificate; liability insurance is the underlying coverage. Check your DMV notice for your individual requirement.

Source: California DMV on SR-22 and SR-1P

Current liability minimum

30/60/15 means $30,000 for injury to one person, $60,000 for injury per accident, and $15,000 for property damage.

Source: DMV insurance requirements

What determines the price

A real quote depends on driving record, annual mileage, years of driving experience, vehicle or policy type, limits, deductibles, listed drivers, and carrier availability.

California auto rates do not use credit scores. The primary factors are driving safety record, annual mileage, and years of driving experience, in that order.

Source: Insurance Code 1861.02

How to compare an SR-22 request

1. Use the same drivers and vehicles.
2. Keep limits and deductibles identical.
3. Confirm the effective date and payment plan.
4. Ask who files the SR-22 and when.
5. Do not treat an estimate as a guaranteed price.

Non-owner coverage

A driver who does not own a vehicle can ask whether a non-owner liability policy satisfies the requirement. Eligibility and exclusions depend on the carrier and actual vehicle use.