How Does SR22 Insurance Work in California?

How Does SR22 Insurance Work in California?

If you find yourself needing SR22 insurance, it’s important to know exactly what your state’s rules entail. Once you have a clear idea of what you’re facing, you can fulfill your requirements, reinstate your license, and get back to your normal life. For anyone with an SR22 requirement in the Golden State, here’s our guide to how SR22 insurance works in California.

Why You Would Need SR22 Insurance

SR22 insurance isn’t technically insurance. Rather, it’s a certificate of financial responsibility you must file with your auto insurance provider. This form proves to the state that you’re maintaining their minimum liability requirements. This is a way of guaranteeing that high-risk drivers keep up with their auto insurance policies. As such, you may need SR22 insurance after a serious accident or road violation, such as:

  • Reckless driving
  • A DUI conviction
  • Driving without a license or insurance
  • Causing multiple or severe car accidents

How Does SR22 Insurance Work in California?

Every state has its own set of rules for SR22 insurance. Like many states, California requires drivers to obtain SR22 insurance in order to get their licenses back after a DUI or other driving infraction. Drivers in California must maintain their SR22 insurance requirements for three years—if you don’t pay the insurance rates, the state will suspend your license again, and the process will start over. These rates are determined by California’s minimum liability requirements: $15,000 for injury to one person, $30,000 for injury to two or more people, and $5,000 for property damage.

What to Do If You Need SR22 Insurance

Finding SR22 insurance doesn’t have to be an ordeal. If you need SR22 insurance in California, finding the right policy is important. Serenity Group can help you find information, compare prices, and obtain an insurance policy that helps you get back your license—and your independence.