What Is SR-22 Insurance?

An SR-22 is not an insurance policy but a document proving you have the minimum required liability insurance coverage. It’s often referred to as a “certificate of financial responsibility” and is filed with the California Department of Motor Vehicles (DMV) by your insurance company.

Not all drivers must file an SR-22 form. Several circumstances may require you to file an SR-22 in California:

• DUI/DWI convictions—If you’re convicted of driving under the influence (DUI) or driving while intoxicated (DWI), California requires you to file an SR-22 to reinstate your driving privileges.
• Suspended or revoked license—If your driver’s license has been suspended or revoked for various reasons, such as accumulating too many points on your driving record, you may be required to file an SR-22 to reinstate your license.
• Driving without insurance—If you’re caught driving without insurance, you might have to file an SR-22 to prove that you are now complying with California’s minimum insurance requirements.
• High-risk drivers—Some drivers considered high-risk due to their driving history or other factors might need an SR-22 to keep their driving privileges.

The SR-22 requirement typically lasts for three to five years, depending on the nature of the offense and your specific situation. During this period, you must maintain continuous insurance coverage and adhere to all the terms set by the DMV. Failing to do so can result in the reinstatement of penalties or suspension of your driving privileges.

Is SR-22-compliant Auto Insurance Expensive?

An SR-22 filing requirement may lead to higher insurance premiums. Insurance companies typically consider drivers who need an SR-22 as a higher risk, which can translate into increased rates. Shopping around for the best insurance rates while maintaining SR-22 coverage can help manage these costs.

Contact Us

Contact New Advantage Insurance Agency in Garden Grove, CA, to get SR-22-compliant auto insurance at favorable rates.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.