SR-22 Insurance in California
Fast filings, fair rates, and straight talk from a veteran-owned independent agency.
More importantly, we handle the SR-22 filing end-to-end
so you can get back on the road without delay.
What is an SR-22 in California?
First, SR-22 isn’t insurance—it’s a certificate your insurer files with the California DMV to prove you carry at least the required liability limits. In practice, SR-22 is monitored after certain actions (for example, DUI/APS, uninsured collisions, or suspensions/revocations). If your policy lapses, your insurer must notify DMV, and as a result your driving privilege can be suspended.
Why choose Foxx Insurance?
- Same-day electronic filings with DMV
- Multiple carriers to keep rates competitive
- Non-owner policies available statewide
How the SR-22 filing works
To make it simple, here’s how the process works from quote to filing.
- Get a quote — We place you with an eligible policy that meets California requirements. Get your quote.
- We file the SR-22 — Your insurer files it directly with DMV; you don’t file it yourself.
- Stay covered — Keep continuous coverage for the required period. A lapse can suspend your license and may restart the clock.
How long do you need SR-22 in California?
Typically, drivers must maintain SR-22 for about three years, though the exact period depends on your case. Meanwhile, DMV guidance generally requires proof on file throughout the required period. Therefore, always follow the dates on your DMV or court notice.
California DMV fees & basics
For clarity, reinstatement fees vary by case, and DMV may require other steps in addition to SR-22 (for example, clearing other actions or orders). As a result, paying a fee alone won’t restore your driving privilege unless all conditions are met.
No car? You can still file.
If you don’t own a vehicle, you can still meet the requirement—in fact, a non-owner SR-22 policy often keeps costs lower while satisfying California’s proof rules. Start a non-owner quote.
FAQ
Do I file the SR-22 myself?
No—here’s why: after you buy an eligible policy, your insurer files it electronically with DMV and maintains it on record. If your policy cancels, DMV is notified.
Can I switch insurers during my SR-22 period?
Yes; however, make sure the new policy files an SR-22 before the old one cancels to avoid a lapse.
What happens if my SR-22 or policy lapses?
In that case, DMV can suspend your driving privilege and the required period may restart. Contact us immediately to avoid gaps.
Is SR-22 the same as “high-risk insurance”?
Not exactly—technically, SR-22 is the filing that proves you have liability coverage. Some carriers rate SR-22 drivers as higher-risk, which can affect price—so we shop multiple companies.