Sr22 Insurance in California: What You Need to Know

When it comes to driving in California, it is important to have proper auto insurance coverage. If you have been convicted of certain driving offenses, such as a DUI or driving without insurance, you may be required to obtain an SR22 certificate. This certificate provides proof of insurance to the California Department of Motor Vehicles (DMV) and is necessary for you to legally drive in the state.

What is SR22 Insurance?

SR22 insurance is not actually a type of insurance policy, but rather a certificate that proves you have the required amount of liability insurance coverage. This certificate is required by the DMV in order for you to legally drive in the state of California after certain driving offenses.

There are a few different situations that may require you to obtain an SR22 certificate in California:

• Driving under the influence (DUI) of drugs or alcohol
• Receiving multiple traffic violations in a short period of time
• Driving without insurance
• Causing an accident while driving without insurance
• Having your license suspended or revoked

How Does SR22 Insurance Work?

When you are required to obtain an SR22 certificate, it means that you must have a certain amount of liability insurance coverage. This coverage is typically higher than the state’s minimum requirements.

Your insurance provider will file the SR22 certificate with the DMV on your behalf. This certificate proves to the DMV that you have the required amount of insurance coverage, and it must be maintained for a certain period of time, as determined by the DMV.

If you fail to maintain your insurance coverage, your insurance provider is required to notify the DMV, which may result in the suspension of your license.

How Much Does SR22 Insurance Cost?

The cost of SR22 insurance varies depending on a few different factors, such as your driving record and the amount of coverage required. In general, however, SR22 insurance is typically more expensive than standard car insurance.

It is important to shop around and compare rates from different insurance providers in order to find the most affordable SR22 insurance policy. Keep in mind that you will likely need to maintain this coverage for a few years, so it is important to find a policy that fits your budget.

FAQ

What is the Minimum Liability Coverage Required for SR22 Insurance in California?

The minimum liability coverage required for SR22 insurance in California is:

• $15,000 for bodily injury or death of one person
• $30,000 for bodily injury or death of two or more people
• $5,000 for property damage

How Long Do I Need to Maintain SR22 Insurance in California?

The length of time you are required to maintain SR22 insurance varies depending on the offense that resulted in the requirement. In general, you will need to maintain SR22 insurance for at least three years.

What Happens if I Fail to Maintain SR22 Insurance?

If you fail to maintain SR22 insurance, your insurance provider is required to notify the DMV. This may result in the suspension of your license.

Can I Switch Insurance Providers While I Have SR22 Insurance?

Yes, you can switch insurance providers while you have SR22 insurance. However, you must ensure that your new insurance provider also files the SR22 certificate with the DMV on your behalf.

Do I Need SR22 Insurance If I Live in Another State?

If you are required to obtain SR22 insurance in California, you will need to maintain this coverage even if you move to another state. You may be able to transfer your SR22 certificate to your new state of residence, but this will depend on the laws in that state.

Conclusion

If you have been convicted of certain driving offenses in California, you may be required to obtain an SR22 certificate in order to legally drive in the state. It is important to understand the requirements for SR22 insurance and to shop around for the most affordable policy. By maintaining your SR22 insurance coverage, you can continue to drive legally and avoid further penalties or fines.