- SR22 Insurance California Requirements Explained
- Why You Might Need SR22 Insurance in California?
- What Are California’s SR22 Insurance Requirements?
- Who Offers the Cheapest SR22 Insurance in California?
- DUI and SR22 Insurance in California
- How Much Does SR22 Insurance Cost in California?
- SR22 Insurance in California: Full Coverage Rates by Company
- Who Has the Cheapest SR22 Insurance in California?
- What Is the Average Cost of SR22 Insurance in California?
- Frequently Asked Questions about SR22 Insurance California
- What is SR22 insurance in California?
- How do I obtain SR22 insurance in California?
- Why choose our brokerage for SR22 insurance in California?
- How much does an SR22 cost in California?
- What We Do at A Plus Insurance
Why You Might Need SR22 Insurance in California?
Do you need SR22 insurance in California? If your license was suspended or revoked, the California DMV may require you to file an SR22 form to prove you have the state’s minimum liability coverage. Here are the most common reasons drivers need an SR22:
- DUI or DWI – A conviction for driving under the influence of alcohol or drugs often requires SR22 insurance to reinstate your license.
- Driving Without Insurance – If you were caught driving uninsured, you may need to file an SR22 before getting your license back.
- Too Many Traffic Violations – Accumulating multiple violations within a short period can classify you as a high-risk driver, requiring an SR22 filing.
- At-Fault Accidents Without Insurance – If you caused an accident while uninsured, the DMV may require an SR22 to reinstate your driving privileges.
- License Suspension or Revocation – Reckless driving, excessive points on your record, or other serious infractions can lead to an SR22 requirement before you can legally drive again.
How Long Do You Need SR22 Insurance in California?
Most drivers must carry SR22 insurance for three to five years, depending on the violation. Failing to maintain coverage can lead to license suspension and additional penalties.
Need affordable SR22 insurance in California? Get a quote online or call us today to reinstate your license quickly!
| Types Of Major Violations |
|---|
| Previous Incarceration |
| Multiple Traffic Offenses |
| At Fault Accident with No Insurance |
| Driving while Suspended / Revocation |
| DUI (Driving Under the Influence of Drugs or Alcohol) |
| License Suspension for Failure to Pay Fines |
| Excessive Points Violations |
| DWI (Driving While Intoxicated) |
| Suspension of License Due to Child Support |
| Too Many Tickets in a Short Period of Time |
Major violations, like those listed above, will require an SR22 for the State of California. Practice safe driving habits to keep your insurance premiums low.
What Are California’s SR22 Insurance Requirements?
Do you need SR22 insurance in California? If you’ve had a license suspension due to a DUI, at-fault accident, or driving without insurance, the state requires you to carry minimum liability coverage to reinstate your driving privileges.
California’s minimum SR22 insurance requirements include:
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident
- $15,000 for property damage
These limits protect others if you’re at fault in an accident, but they don’t cover your own vehicle. If you want extra protection, consider full coverage with collision and comprehensive insurance.
| State | State Minimum | PIP? |
|---|---|---|
| California | 30/60/15 | N/A |
Who Offers the Cheapest SR22 Insurance in California?
Looking for cheap SR22 insurance in California? Prices vary by city, insurer, and your driving history, so comparing multiple quotes is the best way to find the lowest rate.
How to Get the Best SR22 Insurance Rates in California:
- Compare Quotes – Rates differ between providers, so check with multiple insurance companies.
- Use an Independent Agent – Brokers can compare SR22 policies across insurers to find you the best deal.
- Look for Discounts – Some insurers offer lower rates for safe driving, bundling policies, or paying in full.
- Consider Local vs. National Providers – Some smaller insurers may offer lower rates in certain cities.
Cheapest SR22 Insurance in California by City:
| City | Average Price |
|---|---|
| Downey | Liberty Mutual |
| San Mateo | Progressive |
| San Francisco | Farmers |
| Hayward | Geico |
| Temecula | Farmers |
| Salinas | The General |
| Huntington Beach | Progressive |
| El Cajon | Dairyland* |
| Sacramento | Progressive |
| Glendale | Geico |
| Sunnyvale | Progressive |
| Concord | The General |
| Thousand Oaks | Geico |
| Murrieta | Progressive |
| Santa Rosa | The General |
| Costa Mesa | Progressive |
| Burbank | Dairyland* |
| San Bernardino | The General |
| Victorville | Geico |
| Modesto | National General |
| Torrance | The General |
| Rialto | Liberty Mutual |
| Lancaster | Progressive |
| Santa Clara | The General |
| Santa Clarita | Progressive |
| Simi Valley | Progressive |
| Antioch | Progressive |
| Clovis | Geico |
| Fremont | Progressive |
| Arden-Arcade | Progressive |
| Fullerton | Bristol West |
| Corona | The General |
| Escondido | National General |
| Vallejo | Bristol West |
| Stockton | The General |
| Inglewood | Geico |
| El Monte | Geico |
| Palmdale | Liberty Mutual |
| Irvine | The General |
| Moreno Valley | Progressive |
| Pasadena | Progressive |
| Jurupa Valley | The General |
| Bakersfield | Progressive |
| West Covina | Geico |
| Daly City | National General |
| Fairfield | Farmers |
| East Los Angeles | Geico |
| Roseville | Progressive |
| Visalia | Liberty Mutual |
| Anaheim | Progressive |
| Chula Vista | The General |
Save yourself some time searching for Insurance quotes by checking the cheapest companies in your area, by city. Many of these companies specialize in SR22 Insurance and offer cheaper Insurance rates.
DUI and SR22 Insurance in California
Got a DUI in California? You’ll likely need SR22 insurance to reinstate your driver’s license. An SR22 form proves you carry the state’s required minimum liability insurance after a serious violation.
How Long Do You Need SR22 Insurance After a DUI?
- First DUI Offense – SR22 required for 3 years
- Second DUI Offense – SR22 required for 5 years
- Third or More DUI Offenses – SR22 required for 10+ years
The cost of SR22 insurance after a DUI can be high, but shopping around can help you find the cheapest SR22 rates in California.
Need an SR22 filing after a DUI? Get a free quote online or call us today!
How Much Does SR22 Insurance Cost in California?
Worried about SR22 insurance fees in California? The SR22 filing itself is usually inexpensive, but your driving history—not the SR22—determines your premium.
SR22 Filing Fees in California
- Most insurance companies charge a one-time filing fee of $0 to $25.
- This fee covers submitting your SR22 form to the California DMV to prove financial responsibility.
What Affects SR22 Insurance Costs?
While the SR22 filing fee is low, your overall premium can increase based on:
- Number of Violations – More infractions mean higher insurance costs.
- DUI or At-Fault Accidents – High-risk violations lead to higher rates.
- Driving Without Insurance – A lapse in coverage can make your policy more expensive.
| Company | SR22 Filing Fee |
|---|---|
| Progressive Insurance | $25.00 |
| The General | $25.00 |
| National General | $25.00 |
| Geico | $25.00 |
| Mendota Ins. Company | $25.00 |
| Acceptance RTR | $25.00 |
| Farmers | $15-$30 |
| Dairyland | Free |
SR22 Insurance in California: Full Coverage Rates by Company
Looking for full coverage SR22 insurance in California? Full coverage includes:
- Comprehensive insurance – Covers theft, vandalism, and weather damage.
- Collision insurance – Pays for damage to your vehicle after an accident.
- Optional add-ons like roadside assistance and rental reimbursement can provide extra protection.
How to Get the Best SR22 Full Coverage Rates
When requesting quotes, provide accurate details about your:
- Driving history (accidents, DUIs, or violations).
- Preferred coverage limits (minimum vs. full coverage).
- Vehicle type and usage (commute, leisure, or business use).
Comparing SR22 Insurance Companies
Price is important, but also consider:
- Financial stability – Choose a company with a strong reputation.
- Customer service – A reliable insurer will help with claims and compliance.
- Coverage options – Make sure your policy meets California SR22 requirements.
Full Coverage SR22 Insurance Rates by Company
| Company | SR22 Full Coverage (Average Price) |
|---|---|
| Bristol West | $175.00 |
| Progressive Insurance | $202.00 |
| Farmers | $188.00 |
| GAINSCO | $205.00 |
| Liberty Mutual | $216.00 |
| The General | $212.00 |
| National General | $201.00 |
| Mendota Ins. Company | $168.00 |
| AssuranceAmerica | $203.00 |
| Acceptance RTR | $200.00 |
Sr22 Insurance California
Who Has the Cheapest SR22 Insurance in California?
Looking for cheap SR22 insurance in California? Prices vary based on factors like your driving record, location, and age, but comparing multiple insurers can help you find the lowest rates.
How to Find the Best SR22 Insurance Prices
- Compare Multiple Quotes – Rates differ between insurance companies, so check multiple providers.
- Consider Local and National Insurers – Some smaller insurers offer lower prices in certain cities.
- Look for Discounts – Many insurers provide safe driver, multi-policy, or pay-in-full discounts that can lower costs.
- Adjust Your Coverage – Choosing liability-only SR22 insurance is usually the most affordable option.
Cheapest SR22 Insurance Providers in California:
| City | Average Price |
|---|---|
| Downey | Liberty Mutual |
| San Mateo | Progressive |
| San Francisco | Farmers |
| Hayward | Geico |
| Temecula | Farmers |
| Salinas | The General |
| Huntington Beach | Progressive |
| El Cajon | Dairyland* |
| Sacramento | Progressive |
| Glendale | Geico |
| Sunnyvale | Progressive |
| Concord | The General |
| Thousand Oaks | Geico |
| Murrieta | Progressive |
| Santa Rosa | The General |
| Costa Mesa | Progressive |
| Burbank | Dairyland* |
| San Bernardino | The General |
| Victorville | Geico |
| Modesto | National General |
| Torrance | The General |
| Rialto | Liberty Mutual |
| Lancaster | Progressive |
| Santa Clara | The General |
| Santa Clarita | Progressive |
| Simi Valley | Progressive |
| Antioch | Progressive |
| Clovis | Geico |
| Fremont | Progressive |
| Arden-Arcade | Progressive |
| Fullerton | Bristol West |
| Corona | The General |
| Escondido | National General |
| Vallejo | Bristol West |
| Stockton | The General |
| Inglewood | Geico |
| El Monte | Geico |
| Palmdale | Liberty Mutual |
| Irvine | The General |
| Moreno Valley | Progressive |
| Pasadena | Progressive |
| Jurupa Valley | The General |
| Bakersfield | Progressive |
| West Covina | Geico |
| Daly City | National General |
| Fairfield | Farmers |
| East Los Angeles | Geico |
| Roseville | Progressive |
| Visalia | Liberty Mutual |
| Anaheim | Progressive |
| Chula Vista | The General |
What Is the Average Cost of SR22 Insurance in California?
The average cost of SR22 insurance in California depends on several factors, including your driving record, age, location, and the type of vehicle you drive. Since SR22 insurance is typically required for high-risk drivers, it often costs more than standard auto insurance.
How Much Does SR22 Insurance Cost?
- Liability-Only SR22 Insurance – Covers damages to others if you’re at fault in an accident. This is the cheapest option and meets California’s minimum legal requirements.
- Full Coverage SR22 Insurance – Includes comprehensive and collision coverage to protect your own vehicle. This costs more but provides greater financial protection.
- Average Monthly SR22 Insurance Cost – Rates typically range from $50 to $150 per month, depending on the insurer and your driving history.
What Affects SR22 Insurance Prices?
- Insurance Company – Rates vary between providers, so comparing quotes is essential.
- Driving Record – DUI, at-fault accidents, or multiple violations increase costs.
- Location – Urban areas like Los Angeles or San Francisco often have higher premiums.
| City | Average Price |
|---|---|
| Daly City | $92.00 |
| Garden Grove | $91.00 |
| Carlsbad | $92.00 |
| Santa Maria | $100.00 |
| Clovis | $100.00 |
| San Mateo | $98.00 |
| El Monte | $97.00 |
| Downey | $101.00 |
| Temecula | $97.00 |
| Richmond | $106.00 |
| Santa Rosa | $108.00 |
| Arden-Arcade | $96.00 |
| Concord | $88.00 |
| Oakland | $109.00 |
| Modesto | $97.00 |
| El Cajon | $86.00 |
| Berkeley | $97.00 |
| Burbank | $99.00 |
| Vallejo | $107.00 |
| Bakersfield | $105.00 |
| Inglewood | $108.00 |
| Sunnyvale | $107.00 |
| Vista | $87.00 |
| Fontana | $94.00 |
| Stockton | $102.00 |
| Corona | $101.00 |
| Fresno | $90.00 |
| Los Angeles | $105.00 |
| Jurupa Valley | $109.00 |
| Fullerton | $103.00 |
| Fremont | $91.00 |
| Glendale | $91.00 |
| Oxnard | $104.00 |
| Simi Valley | $90.00 |
| Victorville | $94.00 |
| Murrieta | $105.00 |
| Escondido | $91.00 |
| Antioch | $88.00 |
| Riverside | $105.00 |
| Santa Clarita | $98.00 |
| Long Beach | $91.00 |
| San Francisco | $92.00 |
| Orange | $89.00 |
| West Covina | $93.00 |
| San Diego | $88.00 |
| Oceanside | $108.00 |
| Ontario | $108.00 |
| Rancho Cucamonga | $97.00 |
| Hayward | $103.00 |
| East Los Angeles | $90.00 |
| San Jose | $102.00 |
| Rialto | $105.00 |
| Sacramento | $110.00 |
| Roseville | $102.00 |
| Moreno Valley | $100.00 |
| Huntington Beach | $109.00 |
| Salinas | $107.00 |
| Anaheim | $93.00 |
| Chula Vista | $86.00 |
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Frequently Asked Questions about SR22 Insurance California
What is SR22 insurance in California?
How do I obtain SR22 insurance in California?
Why choose our brokerage for SR22 insurance in California?
How much does an SR22 cost in California?
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Last Updated on by Brian Muse