Official California Guide

California SR-22 Insurance

A complete roadmap to satisfying the CA DMV requirements. Compare rates, understand liability limits, and get your license reinstated today.

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Min. Liability

15/30/5

$15k BI / $30k Total / $5k PD

Mandate Term

3 Years

From date of reinstatement

Filing Fee

$25 - $50

One-time administrative cost

How California SR-22 Filing Works

In California, the SR-22 is a "Certificate of Financial Responsibility." It is not an insurance policy itself, but a digital document filed by your insurance carrier directly with the California DMV in Sacramento. It proves that you carry the state-mandated minimum liability coverage.

The "Re-Suspension" Trap

If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license and may reset your 3-year filing period.

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Who Needs to File in CA?

DUI / Wet Reckless: Convictions involving alcohol or drugs.
Negligent Operation: Accumulating too many points on your record within a 12-month period.
Administrative Suspension: Being caught driving without insurance or while already suspended.

Don't Own a Car in California?

You can still get reinstated! A California Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow. It satisfies the California DMV requirement and is typically much cheaper than a standard policy.

Read our full guide on Non-Owner policies

The CA Reinstatement Timeline

Check Status

Verify your suspension details and fees via the online DMV portal or by visiting a local office.

Secure SR-22

Purchase a policy. Your carrier will electronically transmit the certificate to the DMV database.

Pay Reissue Fees

Pay the $55 reissue fee (and any other outstanding court fines) to clear the administrative hold.

License Valid

Once the SR-22 is logged and fees are paid, your license status changes to 'Valid'.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in California:

First Offense

Vehicle Impoundment (30 Days)

Court Fines

$300 - $1,000 + Assessments

SR-22 Period

Reset to Day 1 (Full 3 Years)

Insurance Impact

Policy Cancellation / Non-Renewal

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California Filing FAQs

How much is the filing fee in California?

Insurance carriers typically charge a one-time fee of $25-$50 to electronically transmit the certificate to the DMV. This is separate from your monthly premium.

Can I drive out of state with a CA SR-22?

Yes. Your California SR-22 allows you to drive legally in other states, provided you maintain the filing. The requirement follows your license, not your physical location.

What is the difference between SR-1 and SR-22?

An SR-1 is a 'Report of Traffic Accident' form you file after a collision. An SR-22 is 'Proof of Financial Responsibility' filed by your insurer. They are completely different documents.

Can I get a Non-Owner policy in CA?

Yes, California allows Non-Owner SR-22 filings. This is the cheapest way to reinstate your license if you do not own a vehicle.

Will my license be suspended if I miss a payment?

Yes. California law requires insurers to file an SR-26 cancellation form immediately upon a policy lapse. The DMV will then suspend your license until a new SR-22 is filed.

How do I remove the SR-22 after 3 years?

Once your 3-year mandate is over, contact the DMV to confirm your status is clear. Then, instruct your insurer to remove the filing endorsement from your policy.

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