Affordable SR-22 Coverage Made Simple
SR-22 Insurance in California
High-risk drivers in California may need an SR-22 certificate to restore their driving privileges after a DUI, reckless driving, or driving without insurance. At Breathe Easy Insurance, we help drivers secure affordable SR-22 insurance in CA quickly and accurately, even if you don’t own a car, so you can get back on the road.
Understanding SR-22 Insurance in California
At Breathe Easy Insurance Solutions, we are well-versed in the California DMV’s post-DUI insurance requirements. Our approach to SR-22 filing simplifies the insurance-buying process and helps our clients save significant money. Our specialized DUI insurance team is ready to assist with any questions or concerns you may have about DMV regulations, SR-22 filings, and DUI education programs.
In California, the blood alcohol concentration (BAC) limit for drivers above 21 years using personal vehicles is set at 0.08%. Drivers under 21 years will incur a one-year suspension for BAC levels exceeding 0.01%.
Key Features of California SR-22 Insurance
Proof of Liability Coverage
Ensures that you meet California’s minimum liability insurance requirements:
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident
- $15,000 for property damage
Who Needs SR-22 Insurance?
These types of drivers commonly require SR-22 in California:
- Drivers convicted of DUIs or reckless driving
- Individuals caught driving without insurance
- Those with repeated traffic violations or license suspensions
Duration of SR-22 Requirement
SR-22 insurance is typically required for 3 years, though the duration can vary based on the violation.
SR-22 Filing Process in CA
Your insurance carrier files the SR-22 certificate directly with the DMV on your behalf, ensuring compliance and eliminating delays.
Get Your California SR-22 Quote Today
California SR-22 Insurance Without a Car
You may need an SR-22 even if you don’t own or have regular access to a vehicle. In these cases, a non-owner SR-22 insurance policy is the solution.
What is Non-Owner SR-22 Insurance?
- Provides liability coverage when driving vehicles you don’t own, per specific policy terms.
- Ideal for individuals who occasionally borrow or rent cars.
- Often more affordable than standard SR-22 policies, as it excludes coverage for vehicles owned or regularly available to the driver.
Breathe Easy Insurance has expertise in helping non-vehicle owners secure affordable and reliable SR-22 insurance in California. Whether you occasionally borrow a car or rely on rentals, we’ll find the policy that suits your needs and budget.
California County and City SR-22 Information
Select your county or city from the dropdown below to learn more about SR-22 insurance.
Get a Free Quote Today! Call 833-786-0237
How Much Does SR‑22 Insurance in California Cost?
While the SR-22 filing fee is generally minimal (as low as $25), the cost of your insurance policy may increase due to your high-risk driver status. Factors that influence the cost include:
- Driving history: Previous violations or accidents may raise your premium.
- Age and location: Young drivers and those in urban areas may face higher rates.
- Coverage type: Non-owner SR-22 policies are typically less expensive.
At Breathe Easy Insurance, we work with multiple carriers to find the most competitive rates, helping you save on your California SR-22 insurance.
Additional Fees Associated with a DUI
A DUI conviction necessitates a $125.00 registration fee to obtain a restricted license and a $15.00 fee for license reprint. Mandatory IID-restricted licenses come with a $103.00 administrative service fee. There may be additional fees such as reissue fees and restriction fees.
What Happens if I Get a DUI in California?
First DUI Offense
- Fines: $400 - $1,000
- Jail time: 24 hours
- Suspension:
- Six months if BAC is under .20%
- 10 months if BAC is .20% or more
- Ignition interlock: Depends on court decision and zip code
- Alcohol classes:
- Alcohol classes or DUI school required for three months if BAC is under .20%
- Nine months if BAC is .20% or more, or you refused to be tested
Second DUI Offense
- Fines: $500 - $1,000
- Jail time: Four days to 30 days
- Suspension: Two years
- Ignition interlock: Required
- Alcohol classes: 18 months to 30 months of alcohol classes, treatment, or DUI school
Third DUI Offense
- Fines: $2,500 - $3,000
- Jail time: Four months to seven months
- Suspension: Three years
- Ignition interlock: Required
- Alcohol classes: 30 months of alcohol classes or DUI school
FAQs About SR-22 in California
How long do I need SR-22 insurance in California?
Most drivers are required to maintain SR-22 insurance for 3 years, though this may vary based on the violation and court requirements.
Can I switch insurance providers while maintaining my SR-22 compliance?
Yes, you can switch providers, but it’s important to ensure there’s no lapse in coverage to avoid potential penalties and setbacks. Breathe Easy Insurance will make sure your new SR-22 is filed before your old policy is cancelled, keeping you compliant without interruption.
Do I need SR-22 insurance if I don’t own a car?
Yes, if required by the court or DMV. A non-owner SR-22 policy is designed specifically for individuals without a vehicle.
What happens if my SR-22 policy lapses?
If your SR-22 policy lapses, your insurer is required to inform the California Department of Motor Vehicles (DMV). This notification may lead to the suspension of your driver’s license and could result in additional fines or penalties.
What are the next steps for getting an ignition interlock device?
When you are done selecting your insurance plan, Breathe Easy can connect you with an Intoxalock representative for further assistance. They will answer any questions you have and help you get set up with an installation appointment at a convenient time.
Why Drivers Trust Breathe Easy Insurance
Fast Filing
Affordable Rates
Expert Guidance
Non-Owner Options
Get Your California SR-22 Insurance Quote Today
Don’t let the SR-22 requirement keep you off the road. Let Breathe Easy Insurance help you get started today. Call 833-786-0237 now or fill out a form for a free SR-22 quote. Our licensed insurance agents will walk you through the reinstatement process and help you get back on the road. We understand that this can be an overwhelming and stressful time, let our staff help you with all of your insurance and licensing needs. We are America’s SR-22 Insurance Experts, see why by calling our offices today for a free quote.
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