SR22 and High-Risk Insurance Costs in California — What to Expect

Drivers required to file an SR22 often face higher insurance premiums, but understanding the process can help manage costs.

Understanding SR22 Requirements

An SR22 is a certificate of financial responsibility filed with the California DMV to confirm that a driver meets minimum insurance requirements. It is commonly required after DUIs, license suspensions, or repeated violations. Official DMV guidance is available at:
https://www.dmv.ca.gov/portal/driver-education-and-safety/dmv-safety-guidelines-actions/financial-responsibility/

Why SR22 Coverage Costs More

Insurance carriers classify SR22 drivers as higher risk, which leads to increased premiums. However, rates can vary widely between companies. Comparative data can be reviewed here:
https://www.moneygeek.com/insurance/auto/sr22-car-insurance-california/

Managing SR22 Insurance Costs

Drivers may reduce costs by maintaining continuous coverage, avoiding additional violations, and comparing policies across multiple carriers.

For guidance on high-risk coverage options, visit EZONE Insurance’s Car Insurance page:

Car Insurance