Cheap SR22 Insurance


cheap sr22 insurance california 3Being able to drive your own car anytime, and anywhere you want, is a privilege we sometimes take for granted. Having a suspended or revoked drivers license is not just something that happens to drivers convicted of a DUI. Even good drivers can have a string of bad luck. If you have had your license suspended for any reason, you will need to understand all the options for cheap SR22 insurance.

An SR22 filing is issued by your insurance company to serve as a guarantee to the Department of Motor Vehicles that you have secured the minimum liability coverage required by state law.

SR22 coverage is something that is added to your existing auto insurance policy, and your insurance company can then file the form electronically with the Department of Motor Vehicles. If you don’t have insurance, or are not satisfied with your current rates, then click on the “quote” button above. Cheap Insurance provides fast, easy, online estimates for SR22 filings. When you see how affordable the rates are, you can then opt to purchase the policy online in as little as 15 minutes!

cheap sr22 insurance californiaSR22 documentation is “proof of financial responsibility” for drivers who have had their licenses
revoked or suspended for any number of reasons, including:

  • DUIs.
  • Excessive violations within a certain time frame.
  • Driving without insurance.
  • Outstanding traffic or parking fines.
  • At-fault accidents while uninsured.
  • Reckless driving.


All About SR22 Insurance


  • The first thing you need to do is contact you car insurance company. In most states there is a $15 to $25 fee to file the SR22.
  • To obtain an SR22 filing, you must purchase minimum liability coverage on all vehicles registered to you, whether they are operational or non-operational. For those who do not own a vehicle, “non-owners” liability coverage is required.
  • The minimum period for SR22 filing is three years, though it may be longer, based on the severity of the violation(s), and whether or not your liability policy stays active. During this time period you must keep your insurance active by making all your payments on time. You must also keep your driving record clean. If your insurance lapses, or you get another driving violation, your license will be suspended and you will have to begin the process over again.
  • The DMV determines when and if your driver’s license may be reinstated. DMV fees, typically a $10 reinstatement fee, are required to reactivate your driver’s license. In addition, any parking or moving violation judgments or fines will need to be resolved before reinstatement as well.


Additional Requirements For DUI/DWI Convictions


  • cheap sr22 insurance california 4If your license was suspended for a DUI/DWI then you will also need to comply with a few
    more DMV requirements. On the first conviction your driving privilege will be suspended for 6 months and you will be required to complete a DUI program. For access to the required forms and list of DMV Alcohol and Drug Programs, click here.
  • If your BAC is 0.20% or higher and the court refers you to an enhanced DUI treatment program, your DL will be suspended for 10 months. You could also be required to install an ignition interlock device (IID) on your vehicle. An IID prevents you from starting your vehicle if you have any alcohol on your breath. If anyone is injured as a result of your DUI, the suspension period is 1 year.
  • Effective July 1, 2010, through July 1, 2017, all first time and repeat DUI offenders convicted in Alameda, Los Angeles, Sacramento or Tulare Counties are required to install and maintain, for a specific period of time, an IID on all vehicles they own and operate and pay a $45 administrative service fee to reinstate their driving privileges
  • All DUI convictions will remain on DMV’s records for 10 years. The courts and/or DMV may impose more stringent penalties for subsequent violations during that period.