SR-22 is not actually insurance—it's a certificate of financial responsibility that proves you carry auto insurance. California DMV requires it after certain violations like DUI, driving without insurance, or multiple tickets.

Typically, California requires you to maintain SR-22 for 3 years. Your insurance company must file the SR-22 with the DMV and keep it active for the entire period. Any lapse could restart the clock.

The SR-22 filing itself is usually a small fee (around $25). However, SR-22 is required because of high-risk violations, so your insurance premium may be higher. We work with multiple carriers to find you the best rates available.

If your insurance lapses, your insurance company is required to notify the DMV, which will suspend your license. That's why it's crucial to maintain continuous coverage. We'll help ensure your SR-22 stays active.

We can often file your SR-22 with the DMV the same day! Once your policy is active, we'll submit the SR-22 electronically to the California DMV immediately.

Yes, you still need SR-22 even without a vehicle. We offer non-owner SR-22 policies that provide the required proof of financial responsibility without insuring a specific vehicle.