San Diego SR-22 Car Insurance
Need an SR-22 in San Diego? We’ll help you file quickly, keep your auto insurance legal under California’s 2025 minimums, and compare rates across multiple insurance companies to find the cheapest option that fits your policy needs.
Why Choose A Plus for SR-22 Insurance in San Diego
Local Guidance + Real Support
We handle SR-22 filings with the CA DMV, explain liability insurance vs full coverage, and give clear policy service so you know exactly what to do next.
Compare Multiple Carriers
We shop rates with partners like Progressive, Dairyland, Gainsco, National General (an Allstate subsidiary), The General, Bristol West, Mendota, Suncoast, and Falcon to help you compare quotes and keep your premium in check.
Options for Every Driver
Tickets, accidents, DUI, or high-risk? We have SR22 insurance options including liability only, full coverage, and non-owners policies.
California Minimum Liability (Effective 2025)
California updated its financial responsibility law. Policies issued or renewed on/after Jan 1, 2025 must meet at least the following limits:
| Coverage Type | Minimum Limit |
|---|---|
| Bodily Injury Liability (per person) | $30,000 |
| Bodily Injury Liability (per accident) | $60,000 |
| Property Damage Liability | $15,000 |
If your license is suspended after a collision without insurance, you’ll typically need an SR-22 filing to reinstate and maintain coverage for a set period. See the DMV’s guidance on insurance requirements and financial responsibility.
Estimated Auto Insurance Rates — San Diego vs. Nearby Cities
Recent surveys show California drivers paying above national averages; San Diego’s typical annual premium has hovered around the mid-$1,800s recently, depending on driver profile and carrier. Your price will vary based on driving record, vehicle, coverage, credit, and discounts. (Estimates shown for illustration.)
Coverage Options That Can Help After an SR-22
Minimum liability meets the state requirement, but consider these add-ons for better protection:
- Full coverage (collision + comprehensive) to cover your vehicle.
- Uninsured/Underinsured motorist to protect against drivers with little or no coverage.
- Medical Payments for you and your passengers after an injury.
- Non-owners if you need an SR-22 but don’t own a vehicle.
- Multi-policy Discount when you bundle homeowners insurance or renters with auto.
San Diego SR-22 — FAQs
- How long do I need to keep an SR-22 in California?
- It varies by case, but many drivers must maintain it for three years to keep their license valid. Your exact term is set by the state or court.
- Is an SR-22 a type of insurance?
- No. It’s a filing your insurer sends to the DMV proving you carry the required limits. SR-22 information.
- What are the 2025 minimums again?
- California’s minimum liability is $30,000/$60,000/$15,000 (BI per person / BI per accident / PD). Many drivers choose higher limits for better protection.
- Can I get SR-22 with liability only?
- Yes, but lenders may require full coverage if you finance/lease. Ask us for rates that fit your situation.
Last Updated on by Zee Caddick