SR-22 Insurance in California: Rules, Costs and How to Get It
California uses the SR-22 (also called SR 22/SR 1P) to let drivers reinstate a suspended license, and requires it to stay in force for three years. Here is how it works in California.
California has the largest number of drivers in the country, and its SR-22 rules have a few features of their own, including the name of the form and a strict three-year period. Here is what the California DMV says and what it means for you.
What the SR-22 is called in California
The California DMV refers to the California Insurance Proof Certificate (SR 22/SR 1P). It is filed by your insurance company and proves you carry the liability coverage California requires. As in other states, you don't buy the certificate alone: you buy an auto policy and the insurer files it. New to SR-22s? Start with what an SR-22 is.
When California requires it
The DMV uses the SR 22/SR 1P to let drivers reinstate a suspended driving privilege. One example from the California Driver Handbook: if you are in a collision without proper insurance, your driving privilege can be suspended for up to four years, regardless of who caused the crash. You can get your license back during the last three years of that suspension by providing an SR 22/SR 1P and keeping it in force for the three-year period.
Other suspensions, including some DUI-related ones, can also require proof of insurance before reinstatement. Your DMV notice lists exactly what you must do.
Coverage the SR-22 must certify
| Coverage | California minimum |
|---|---|
| Injury or death, one person | $30,000 |
| Injury or death, more than one person | $60,000 |
| Property damage | $15,000 |
Source: California DMV, Driver Handbook Section 10.
These are minimums. With about one in five California drivers uninsured (20.4% in 2023, according to the Insurance Research Council), uninsured motorist coverage is worth considering too. See uninsured motorist coverage.
How long you need it
California requires you to keep the SR 22/SR 1P in force for three years. If your policy is canceled during that time, your insurer will notify the DMV, and your license can be suspended again. Keep payments on autopay and overlap policies when switching insurers. See what happens if an SR-22 lapses and how other states compare.
California rules that affect your price
- No credit-based pricing. According to Experian, California auto insurers don't use credit-based scores or credit history for underwriting or rating. Your driving record matters more as a result.
- DUIs stay on your record for 10 years. The DMV reports DUI convictions on a noncommercial public driving record for 10 years from the violation date. See how long a DUI affects insurance.
- Collision reports. You must file an SR-1 report with the DMV within 10 days if a collision caused more than $1,000 in property damage or any injury. Failing to file can lead to a suspension.
How to get an SR-22 in California
- Read your DMV notice to confirm you need an SR 22/SR 1P and what else is required to reinstate.
- Ask several insurers for a policy with an SR-22 filing in California. If you don't own a car, ask about a non-owner policy.
- Buy at least the 30/60/15 minimum, and consider higher limits and uninsured motorist coverage.
- Make sure the insurer files the certificate with the DMV and keep proof.
- Keep the policy active for three years and confirm your end date with the DMV before removing the filing.
For a breakdown of filing fees, premiums and state fees, read how much SR-22 insurance costs.
Frequently asked questions
How long do I need an SR-22 in California?
Three years. The California DMV says you must maintain the SR 22/SR 1P during the three-year period tied to your suspension. Ask the DMV to confirm your exact end date.
What are California's minimum insurance limits?
$30,000 for injury or death of one person, $60,000 for injury or death of more than one person and $15,000 for property damage.
Does a DUI in California require an SR-22?
A DUI-related suspension commonly requires proof of insurance to reinstate, but the exact requirements depend on your case. Check your DMV notice, which lists everything you must complete.
Do I have to report an accident to the California DMV?
Yes, within 10 days, using form SR-1, if the collision caused more than $1,000 in property damage or anyone was injured or killed. Each driver must file, whether or not they caused the collision.
Sources
- California Driver Handbook, Section 10: Financial Responsibility, Insurance Requirements, and Collisions, California DMV
- California Driver Handbook, Section 9: Alcohol and Drugs, California DMV
- Request Your Driver's Record, California DMV
- Which States Restrict the Use of Credit Scores in Determining Insurance Rates? (March 18, 2025), Experian
- Facts + Statistics: Uninsured motorists, Insurance Information Institute (citing the Insurance Research Council)
Sources were checked on October 14, 2026. Laws, fees and prices change; always confirm with your state agency or insurer.