How Much Does Sr22 Insurance Cost California

What is SR22 Insurance and How Much Does It Cost in California?

Drivers in California may have heard of SR22 insurance, but many are uncertain what it is and how much it costs. SR22 is a certificate of financial responsibility, which essentially provides proof that a driver is able to pay for any damages they may cause in an accident. A driver may be required to carry SR22 insurance in California if they have been found guilty of certain violations, like driving under the influence (DUI) or driving without insurance. In this article, we'll break down what SR22 insurance is and how much it typically costs in California.

What is SR22 Insurance?

SR22 insurance is a document that is filed with the Department of Motor Vehicles (DMV) in California. It is a form of proof that a driver has some form of financial responsibility in case they cause an accident. The certificate is issued by an insurance company, and it must be kept on file with the DMV for a certain period of time. The filing fee for an SR22 certificate is typically around $15, but this amount can vary depending on the insurance company.

In California, a driver may be required to carry SR22 insurance if they have been convicted of certain violations. These include driving under the influence (DUI), driving without insurance, and reckless driving. A driver may also be required to carry SR22 insurance if they have had their license suspended or revoked due to too many points on their driving record.

How Much Does SR22 Insurance Cost in California?

The cost of SR22 insurance in California varies depending on the insurance company and the driver's driving record. However, the typical cost of SR22 insurance in California is around $30 to $50 per month. This amount can vary depending on the insurance company and the driver’s driving record. It's important to shop around and compare quotes from multiple insurance companies to get the best rate.

In addition to the monthly cost of the SR22 insurance policy, drivers may also be required to pay fees for the filing of the certificate. Some insurance companies may include the filing fee in the cost of the policy, while others may charge a separate fee. The filing fee for an SR22 certificate is typically around $15, but this amount can vary depending on the insurance company.

How Long Does SR22 Insurance Last in California?

The length of time that an SR22 certificate is in effect in California varies depending on the violation. For most violations, an SR22 certificate is in effect for three years. However, for certain violations, like DUI, the SR22 certificate may be in effect for five years. Drivers who need to carry an SR22 certificate in California must keep it on file with the DMV for the duration of the term.

What Happens If a Driver's SR22 Insurance Expires in California?

If a driver's SR22 insurance policy expires in California, their license may be suspended or revoked. It is important that drivers keep track of their SR22 insurance policy and make sure that the policy does not expire. If a driver fails to renew their policy, they may be required to pay a reinstatement fee to the DMV in order to have their license reinstated.

In conclusion, SR22 insurance is a form of proof of financial responsibility that is required in California for certain violations. The cost of SR22 insurance in California is typically around $30 to $50 per month, and the filing fee is typically around $15. The length of time that an SR22 certificate is in effect in California varies depending on the violation, but it is typically three years. If a driver's SR22 insurance policy expires, their license may be suspended or revoked.