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SR-22 Information for California Motorists

U.S._Highway_95_at_the_Nevada_California_borderIf you’ve ever had to go through the process of choosing your own auto insurance plan, there’s a good chance you’ve experienced how overwhelming it can be. There are many types of policies to consider and factors to keep in mind when it comes to insurance providers determining rates. On top of that, if you ever plan to move from one state to another, you will need to keep track of the different rules and regulations regarding insurance coverage. One of the most important requirements to become familiar with in California is that concerning SR-22. In the case that you ever face a driver’s license suspension, this is one of the states that will require an SR-22 filing in order to have your driving privileges reinstated.

Reasons For Submitting an SR-22 Form in California

SR-22, commonly referred to as “SR-22 insurance,” can be a bit confusing to understand if you aren’t familiar with the term. It’s not an actual insurance policy but is actually a form that serves as proof of financial responsibility once it is properly filed with the DMV. For the most part, motorists that are obligated to submit an SR-22 document fall into one of three categories. These consist of DUI citations, numerous points being accumulated on a driving record in a short timeframe and getting caught being uninsured or underinsured, especially when involved in an accident.

How Long Does California Require an SR-22 to be Carried?

In most circumstances, you will need to carry an SR-22 for three years under California law. The conditions may vary from situation to situation, so it’s important to know the status of your individual case. One thing that remains constant is that proof of your SR-22 must be kept with you whenever you are operating a vehicle, and you can never let your policy lapse or be canceled during the entire duration you are required to have it or you will risk a suspension once again.

Who Can File Your SR-22 in California?

In California, your SR-22 form must be filed by an insurance company that is qualified by the state to do so. Not all are eligible or willing to provide SR-22 coverage, so it is recommended that you shop around when looking for a provider. This will also allow you to find the best policy pricing available to you. Auto insurance is already spendy for most motorists, and an SR-22 will classify you as a high risk driver, increasing rates significantly. Fortunately, websites such as can get you multiple quotes in minutes, reducing the time and energy spent comparing companies.

If you ever find yourself in a situation that requires you to file an SR-22 with the California DMV, look for an insurance provider that is knowledgeable about this type of coverage and will try to get you the best possible rate.

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