Cheapest SR-22 Car Insurance in California (2024)

An SR-22 is not an insurance policy but a certificate proving you meet California's minimum coverage after certain driving violations. It's filed by either you or your insurance company. While the SR-22 form doesn't affect your rates, the infractions necessitating it can lead to higher premiums.

For drivers requiring an SR-22, the most affordable company is CSAA, with an annual rate of $448 for liability-only coverage. A close second is National General, offering coverage at $788 per year.

For those needing non-owner car insurance with an SR-22, Farmers provides the most economical option at $748 annually, followed by Travelers at $797 per year.

The cheapest companies for minimum coverage SR-22 car insurance in California are:

• CSAA: $37 per month, $448 per year
• National General: $66 per month, $788 per year

The least expensive providers for full coverage SR-22 insurance in California are:

• National General: $127 per month, $1,519 per year
• CSAA: $127 per month, $1,525 per year

After a moving violation, you're likely to face higher car insurance rates as insurers consider you a high-risk driver. Even so, affordable cheap SR-22 car insurance is available. By comparing quotes, you can find a plan that fits your budget, whether you need state minimum coverage or full coverage car insurance.

The companies with the cheapest non-owner SR-22 insurance in California are:

• Farmers: $62 per month, $748 per year
• Travelers: $66 per month, $797 per year

Non-owner car insurance can fulfill the liability coverage requirements for individuals who need to file an SR-22 but do not own a vehicle. This type of coverage is essential following license suspension, revocation or serious traffic violations.

For non-owner drivers, finding the most affordable provider is crucial, as it ensures compliance with legal requirements without unnecessary financial strain.

An SR-22 in California is a form that proves you have the state minimum coverage after serious traffic offenses. It's filed by you or your insurer and is required for three years. If your SR-22 lapses or is canceled, your insurer will let the state know.

An SR-22 insurance shows you have minimum car insurance including:

• $15,000 for bodily injury liability per person
• $30,000 for bodily injury liability per accident
• $5,000 for property damage liability per accident

Even without a car, you'll need SR-22 non-owner car insurance. Remember, an insurance card isn't the same as an SR-22 form.

California drivers who commit serious traffic offenses like DUI or reckless driving must file an SR-22. This form proves you have minimum coverage auto insurance, which is needed to keep your driver's license.

If you or your insurer cancels your policy mid-term, the state will be notified. The SR-22 is typically required for three years. Below, you'll find a list of violations that trigger the need for an SR-22, ensuring you stay informed and on the road legally.

Filing an SR-22 in California comes with downsides, such as paying more for your car insurance and having fewer choices for minimum coverage. Worse, you might find insurers refusing to cover you or canceling your policy mid-term. Keeping your insurance active is key because if you let it lapse, you could be starting over with your SR-22 requirement. In California, you're typically required to carry an SR-22 for three years.

Knowing the consequences of not filing an SR-22 is important. It helps you avoid trouble with the law and keeps your car insurance in good standing.

Below is the list of how an SR-22 negatively impacts your car insurance in California:

The average annual cost of SR-22 car insurance in California for drivers with a DUI is $3,490 for full coverage and $1,415 for state minimum. In contrast, drivers with a clean record pay $1,464 for full coverage and $597 for state minimum. This highlights the financial impact of a DUI on car insurance premiums.

The severity of your offense significantly affects your premiums. It’s not the SR-22 certificate that raises your rates, but the violations associated with it. If you’re a repeat offender or have a severe violation, your insurer might not renew your policy or could increase your rates at renewal.

An SR-22 certificate is typically required for three years. During this period, you must maintain minimum liability coverage of 15/30/5. Ensuring continuous coverage is essential to avoid further penalties or extensions of the SR-22 requirement.

Filing an SR-22 in California is mandatory for drivers with major traffic violations like DUI. Failure to file can result in severe legal penalties, making compliance essential. Minimum coverage must meet the 15/30/5 liability standard. Here are the steps to secure an SR-22 in California:

If your SR-22 in California lapses, your driving rights could be suspended again. You need minimum coverage auto insurance of 15/30/5. Getting a new SR-22 has a cost, but it's necessary to keep your license active.

A DUI on your record means higher car insurance costs. However, affordable coverage isn't out of reach. For instance, a 30 to 59-year-old with a clean driving record pays an annual premium of about $597. However, the rate is higher for car insurance after a DUI. The same person with a DUI may pay roughly $1,415.

In California, drivers needing SR-22 can still find the cheapest rates by comparing providers, ensuring they meet the state's minimum liability requirements of 15/30/5.

Finding affordable SR-22 insurance in California can be a challenge. Get answers to your questions about securing the most cost-effective coverage here.