SR22 Insurance California: Your Comprehensive Guide to Getting and Maintaining Coverage

What is SR22 Insurance?

SR22 insurance is a type of auto insurance that is required by the California Department of Motor Vehicles (DMV) for drivers who have been convicted of certain serious traffic violations, such as driving under the influence (DUI) or reckless driving. SR22 insurance shows the DMV that you have the minimum required liability insurance and that you are financially responsible in the event of an accident.

Who Needs SR22 Insurance?

You will need SR22 insurance if you have been convicted of any of the following violations in California:

• Driving under the influence (DUI)
• Reckless driving
• Vehicular manslaughter
• Hit-and-run
• Driving without a valid license
• Driving with a suspended or revoked license

How to Get SR22 Insurance

To get SR22 insurance, you will need to:

1. Contact an insurance company. You can get SR22 insurance from most major insurance companies, including Allstate, State Farm, and GEICO.
2. Provide proof of your conviction. You will need to provide the insurance company with a copy of your conviction notice or court order.
3. Pay the premium. The cost of SR22 insurance varies depending on your insurance company and your driving record.

How Long Do I Need SR22 Insurance?

The length of time you will need SR22 insurance depends on the type of violation you were convicted of. For most violations, you will need SR22 insurance for three years. However, for some more serious violations, you may need SR22 insurance for five years or more.

What Happens if I Don't Have SR22 Insurance?

If you are caught driving without SR22 insurance, you could face the following penalties:

• Your license will be suspended or revoked.
• You will be fined up to $1,000.
• You could be sentenced to jail for up to six months.

SR22 Insurance FAQs

How much does SR22 insurance cost?

The cost of SR22 insurance varies depending on your insurance company and your driving record. However, you can expect to pay anywhere from $50 to $200 per year for SR22 insurance.

Can I get SR22 insurance if I have a bad driving record?

Yes, you can get SR22 insurance even if you have a bad driving record. However, you may have to pay a higher premium.

What happens if I move out of California?

If you move out of California, you will need to contact your insurance company to find out if you still need SR22 insurance. The requirements for SR22 insurance vary from state to state.

Conclusion

SR22 insurance is an important way to show the DMV that you are financially responsible and that you have the minimum required liability insurance. If you have been convicted of a serious traffic violation, you will need to get SR22 insurance in order to keep your license.