If you’ve been told that you need an SR-22 filing, one of the first questions you’ll probably ask is: “How much is this going to cost?”
The good news is that the SR-22 filing itself is inexpensive. However, the insurance policy that goes with it can cost more because drivers requiring an SR-22 are typically considered higher risk.
Here’s what drivers in California need to know about the real cost of SR-22 insurance.
What Is an SR-22?
An SR-22 is not an insurance policy. It is a certificate of financial responsibility that your insurance company files with the California Department of Motor Vehicles to confirm that you carry the minimum required auto insurance coverage.
This filing is usually required after certain driving violations such as:
DUI or alcohol-related offenses
Driving without insurance
Too many points on your driving record
License suspension or revocation
An accident without insurance
Once the SR-22 is filed, it helps prove to the DMV that you are maintaining valid insurance coverage.
Why SR-22 Insurance Costs More
Insurance companies use risk-based pricing. Drivers who require SR-22 filings often have violations that indicate higher accident risk.
Common reasons for increased premiums include:
- DUI convictions
- Multiple traffic violations
- Driving without insurance
- Prior accidents
Because of this, SR-22 policies can sometimes cost 20% to 50% more than standard auto insurance.
How Long Do You Need an SR-22?
In California, most drivers must maintain SR-22 insurance for three years.
During this time:
- Your policy must remain active
- Your insurance company must notify the DMV if coverage cancels
- A lapse in coverage may cause your license to be suspended again
Maintaining continuous insurance is extremely important during the SR-22 period.
How to Get Affordable SR-22 Insurance
If you need SR-22 insurance, here are a few ways to keep costs down:
- Compare multiple insurance companies
- Consider a non-owner policy if you do not own a vehicle
- Maintain continuous insurance coverage
- Avoid additional tickets or violations
Working with an experienced insurance agency can help you find the most affordable SR-22 options available.
Need SR-22 Insurance in Orange County?
If you need SR-22 filing in Orange County, Starwest Insurance Services can help you:
- File your SR-22 quickly
- Compare affordable insurance options
- Reinstate your driver’s license as soon as possible
Contact our office today for fast SR-22 filing and a free insurance quote.
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