SR 22 Insurance California: Get Your Driving Privileges Back

If you've lost your driver's license in California due to a DUI, reckless driving, or other serious traffic violation, you may need to obtain SR 22 insurance to reinstate your driving privileges. Here's everything you need to know about SR 22 insurance in California.

What is SR 22 Insurance?

SR 22 insurance is a type of financial responsibility insurance that is required by the California Department of Motor Vehicles (DMV) for drivers who have had their license suspended or revoked. It provides proof that you have the minimum amount of liability insurance required by law.

Who Needs SR 22 Insurance?

You may need to obtain SR 22 insurance if you have been convicted of:

• Driving under the influence (DUI)
• Reckless driving
• Driving without a valid license
• Vehicular manslaughter
• Multiple serious traffic violations

How to Get SR 22 Insurance

To get SR 22 insurance, you will need to contact an insurance company that is licensed to provide this type of insurance in California. You will need to provide the insurance company with:

• Your driver's license number
• Your date of birth
• Your social security number
• The date your license was suspended or revoked
• The reason for your suspension or revocation

The insurance company will then file an SR 22 form with the DMV on your behalf. This form will certify that you have the minimum amount of liability insurance required by law.

How Much Does SR 22 Insurance Cost?

The cost of SR 22 insurance varies depending on a number of factors, including:

• Your driving record
• Your age
• Your location
• The type of vehicle you drive

On average, SR 22 insurance costs between $500 and $1,000 per year.

How Long Do I Need to Maintain SR 22 Insurance?

The length of time you need to maintain SR 22 insurance depends on the reason for your suspension or revocation. In most cases, you will need to maintain SR 22 insurance for three years. However, if you have been convicted of a DUI, you may need to maintain SR 22 insurance for up to 10 years.

What Happens if I Don't Maintain SR 22 Insurance?

If you fail to maintain SR 22 insurance, the DMV will suspend your driver's license again. You will not be able to get your license back until you have obtained SR 22 insurance and have it filed with the DMV.

Tips for Getting SR 22 Insurance

Here are a few tips for getting SR 22 insurance:

• Shop around for the best rates.
• Ask your insurance company for a discount if you have a good driving record.
• Take a defensive driving course to lower your insurance rates.
• Make sure to keep your insurance policy up to date.

Frequently Asked Questions

Q: What is the minimum amount of liability insurance required by law in California?

A: The minimum amount of liability insurance required by law in California is $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $5,000 per accident for property damage.

Q: Can I get SR 22 insurance if I have a bad driving record?

A: Yes, you can get SR 22 insurance even if you have a bad driving record. However, you may have to pay a higher premium.

Q: How long does it take to get SR 22 insurance?

A: It usually takes about two weeks to get SR 22 insurance. However, it may take longer if you have a complex driving record.

Q: What happens if I move out of California?

A: If you move out of California, you will need to get SR 22 insurance in your new state. You will also need to file an SR 22 form with the DMV in your new state.

Conclusion

SR 22 insurance is a type of financial responsibility insurance that is required by the California DMV for drivers who have had their license suspended or revoked. It provides proof that you have the minimum amount of liability insurance required by law. If you need to get SR 22 insurance, be sure to shop around for the best rates and ask your insurance company for a discount if you have a good driving record.