Find SR-22 Insurance Quotes in California
Compare SR-22 insurance quotes that satisfy California DMV requirements. Get rates for DUI, high-risk drivers, and more.
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Why You May Need SR-22 Insurance
California requires SR-22 insurance for various violations. We help drivers get back on the road legally.
DUI/DWI Conviction
Required after alcohol or drug-related driving offenses
Driving Without Insurance
Caught driving without proper liability coverage
Multiple Violations
Excessive points or repeated traffic violations
License Suspension
Reinstating driving privileges after suspension
Why Choose Us?
We offer the best insurance options with the best service
Fast SR-22 Filing
Get your SR-22 certificate filed with the California DMV quickly, often same-day
Affordable Rates
Compare quotes from multiple insurers specializing in SR-22 coverage
Multiple Coverage Options
Find SR-22 with your auto policy or as a non-owner certificate
Expert Support
Our specialists understand California SR-22 requirements and can guide you
What is SR-22 Insurance?
Understanding California's Financial Responsibility Certificate
SR-22 Explained
An SR-22 is not insurance itself, but a certificate filed by your insurance company with the California DMV to prove you have the required liability coverage.
- It's a financial responsibility filing required by the DMV
- Your insurance company files it electronically
- You need to maintain it for typically 3 years
Important Note:
If your SR-22 insurance lapses or is cancelled, your insurer must notify the DMV, which may result in license suspension.
California SR-22 Requirements
Understanding the minimum coverage and filing requirements
California's 2025 Insurance Law Update
The Protect California Drivers Act (SB 1107) has increased minimum liability coverage to better protect California drivers. Here's what changed:
Previous Minimum
15/30/5
New 2025 Minimum
30/60/15
Effective January 1, 2025 • Better protection for all California drivers
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 Costs in California
Average Monthly Cost
$75-$200
SR-22 Filing Fee
$25-$50
Required Duration
3 Years
Potential Savings
Up to 30%
SR-22 Insurance Options
Choose the coverage type that fits your situation
Standard SR-22
Standard SR-22 Insurance
For drivers who own a vehicle and need SR-22 certification
Featured Benefits:
- Meets California minimum requirements
- Can add comprehensive & collision
- Multiple payment options available
Starting at
Actual rates depend on driving history
Non-Owner SR-22
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.
Featured Benefits:
- Lower cost than standard SR-22
- No vehicle required
- Coverage for any car you drive
Starting at
Per month. Rates vary by driver.
High-Risk SR-22
High-Risk SR-22
Specialized coverage for multiple violations or serious offenses
Featured Benefits:
- Coverage when others say no
- Experienced high-risk specialists
- Flexible payment arrangements
Starting at
Rates vary based on violations
Getting SR-22 Insurance is Simple
We guide you through the entire process from quote to filing
Get Your Quote
Enter your information and get instant SR-22 insurance quotes
Choose Coverage
Select the policy that meets California requirements and your budget
Complete Purchase
Finalize your policy online or with an agent's help
SR-22 Filed
Your insurer files the SR-22 certificate with the DMV immediately
Real Customers, Real Savings
See how California drivers saved on their SR-22 insurance
Michael R.
Los Angeles, CA
After my DUI, I thought insurance would be unaffordable. QuoteMoto found me coverage $150/month less than I expected!
Jennifer L.
San Diego, CA
The process was so easy! I had my SR-22 filed with the DMV the same day. Great service and competitive rates.
David T.
Sacramento, CA
Multiple violations made finding insurance difficult. QuoteMoto connected me with an insurer who understood my situation.
We Compare Quotes From 30+ Top Insurers
As an independent comparison service, we help you find the best rates from California's leading carriers
Ready to Get Your SR-22 Certificate?
Compare quotes from California's top SR-22 insurance providers and get back on the road legally.
- Fast electronic filing with California DMV
- Multiple payment options available
- SR-22 with vehicle or non-owner policies
- Expert help throughout the process
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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.
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