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SR-22 in California: Fees, Minimum Coverage and How Long
The short answer
In California, an SR-22 is a certificate your insurance company files with the California DMV to prove you carry at least the state minimum liability insurance of $30,000 per person and $60,000 per accident for injuries, and $15,000 for property damage (30/60/15). You must keep it in force for 3 years; if the policy is canceled early, the insurer reports it and your license can be suspended again. The state charges no fee for the SR-22 itself; your insurer may charge its own filing fee. The state's reinstatement fees are $55 to $250, depending on the suspension.
At a glance
| Uses SR-22 | Yes |
|---|---|
| Minimum liability | 30/60/15 |
| How long | 3 years |
| State reinstatement fee | $55 to $250 |
| Who files it | Your insurance company |
What else to know in California
California's minimum limits are $30,000 / $60,000 / $15,000. Instead of an SR-22, a driver may post a $75,000 cash deposit or surety bond. After a DUI suspension, the license reissue fee is $125 for drivers 21 and older.
Steps
- Get a liability policy of at least 30/60/15 from an insurer licensed in California and tell them you need an SR-22. Not every insurer provides it.
- The insurer files the SR-22 with the California DMV. You cannot file it yourself.
- Pay the state's fees on your suspension notice. The state's reinstatement fees are $55 to $250, depending on the suspension.
- Keep the policy active for 3 years. Before you cancel, confirm with the state that your requirement has ended; canceling early can suspend your license again.
FAQ
How long do I need the SR-22 in California?
3 years, under California's rules (see the sources below).
Does California charge a fee for the SR-22?
No. It is filed by your insurer, which may add its own charge. The state's reinstatement fees are $55 to $250, depending on the suspension.
Can I get an SR-22 without a car?
Yes. Some insurers offer non-owner SR-22 policies for drivers without a vehicle. Coverage depends on the policy; ask the insurer.
What liability limits does California require?
$30,000 per person and $60,000 per accident for injuries, and $15,000 for property damage (30/60/15). Some states also require other coverage, such as personal injury protection or uninsured motorist coverage; check with the state agency.