SR-22 insurance to get back on the road.
An auto policy from a carrier that files the SR-22 with the California DMV, including non-owner policies if you don't have a car.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
An SR-22 is a filing, not a policy
An SR-22 is a certificate your insurance company files with the California DMV to prove you carry at least the state's minimum liability insurance. The DMV requires it after events like a DUI, driving without insurance, or certain license suspensions.
Not every carrier files SR-22s, and some that do charge far more than others. I shop carriers that file with the California DMV, and if you don't own a car, a non-owner policy can satisfy the requirement.
- The filingYour insurer sends the SR-22 to the DMV electronically.
- Typical lengthCommonly three years, though the DMV sets the period for your case.
- Minimum limitsAt least California's minimum liability limits: $30,000/$60,000/$15,000.
- If it lapsesThe insurer notifies the DMV, which can suspend your license again.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- DMV notice: the letter stating the SR-22 requirement.
- Driver: license number and date of birth.
- Vehicle: year, make, model and VIN, or none for non-owner.
- Violations: dates of the DUI, tickets or accidents.
- Household drivers: anyone else who drives the car.
- Timing: when you need the filing.
SR-22 insurance, answered
How long do I need an SR-22 in California?
Commonly three years, but the DMV sets the period for your case. Check your DMV notice or contact the DMV to confirm.
What is a non-owner SR-22?
A liability policy for drivers who don't own a vehicle. It satisfies the SR-22 requirement when you borrow or rent cars.
What happens if my SR-22 insurance is cancelled?
Your insurer notifies the DMV, which can suspend your license. Replace the policy and filing before it lapses.
Does an SR-22 cost extra?
The filing fee is usually small. The larger cost is the higher premium tied to the violation that triggered the requirement.
Send your DMV notice. I'll shop it.
Your DMV letter and driver information are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.