SR22 Insurance California

On January 7, 2011, in OnGuard Insurance Blog, by admin

Get a basic explanation on what SR22 insurance in California is. Also find ways to get SR22 Insurance quotes at a savings!

SR22 Insurance California

What’s an SR22?

An SR22 is simply a filing that your auto insurance company files with the CA DMV that lets them know that you carry an active auto insurance policy.  It’s required when the DMV decides to allow a person driving privileges only if they carry valid auto insurance.  An SR22 filing allows the DMV to keep track of your auto insurance as the insurance companies are required to notify the DMV anytime your coverage becomes inactive.  Usually in California, the DMV will require an SR22 insurance policy to be carried for a term of 3 years, if at any time during these 3 years your SR22 gets cancelled, the DMV will suspend your license pending proof of an active SR22 policy as well as another reinstatement fee.

Reasons an SR22 may be required in California

In California, divers require proof of insurance filing form SR 22 mainly after being booked for a DUI or being involved in an accident without proper liability insurance. SR22 filing is mandatory under California driving laws in order to reinstate your license after being suspended for any of the above reasons. The SR22 form is issued by your insurance company and is filed with the CA DMV allowing driving privileges to be reinstated given that all other DMV requirements have been met.  In DUI cases, the DMV will likely require enrollment or completion of a DUI course in addition to an SR22.

Cost of SR22 insurance in California

The SR22 itself usually costs right around $20 and is a one time fee.  The main cost is the actual auto insurance it’s endorsed on and since auto insurance rates vary from person to person, so do the actual costs of SR22 insurance.  So your costs would be your auto insurance rates, plus about a $20 fee, plus DUI course fees if any, plus $55 to the DMV to reinstate your license.

How to get SR22 Insurance Quotes in California

CA Motorists can apply for a SR22 insurance quotes online which is a good way to save both time and money.  Alternatively, they can work with and get quotes from an insurance broker or independent agent who is in a better position to provide options and reduce the premiums considerably.  Drivers may consider a non owner SR22 insurance quote if they currently don’t own a vehicle, which is enough to satisfy the DMV’s terms and conditions.

OnGuard Insurance is low cost provider of California SR22 Insurance and also provides instant online SR22 Insurance Quotes as well as phone quotes at (888) 997-8683.