What is SR22 and what does it mean in California?

In California, an SR22 is a certificate required for drivers who need to reinstate their driving privileges after serious violations. It’s not an insurance policy but a form that the insurance company files with the state, confirming the driver has the required minimum liability coverage.

This requirement usually follows offenses like DUI, driving without insurance, or accumulating too many penalty points on one’s driving record. The SR22 serves as a red flag to insurers and the California Department of Motor Vehicles (DMV), indicating the driver’s high-risk status. Consequently, drivers needing an SR22 can expect increased insurance premiums and are required to maintain this certificate for about three years, depending on the violation. Continuous coverage is crucial; any lapse can lead to license re-suspension.

Drivers  facing a California SR22 requirement should seek out insurance providers specializing in high-risk coverage to find competitive rates. Maintaining a clean driving record moving forward can help lower insurance costs over time.