Getting Low Cost SR-22 Insurance in California
If you have found yourself in the position of having to find low cost SR-22 auto insurance quotes in California, then you’ve most likely been convicted of driving under the influence, have multiple driving violations or some other reckless driving behavior. A conviction like this will cause you to be labeled as a high-risk driver – and your California car insurance rates will reflect your new status. However, affordable SR-22 insurance is possible. Freeway Insurance agents are experienced in finding cost-effective insurance for all drivers, regardless of their driving record.
What is an SR-22 in California?
What is SR-22 Insurance in California? An SR-22 form in California is typically required after a conviction for DUI or other egregious traffic offense and lets the state know you have the legal amount of car insurance.
Driving while your driver’s license is suspended or you are uninsured will also classify you as a high-risk driver. The document proves that you are carrying at least the mandatory minimum car insurance.
At Freeway Insurance, we have experience in helping drivers who are facing the consequences of a conviction for a high-risk traffic violation. We can help you get back on the road with cheap car insurance.
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How Do You Get SR-22 Insurance in California?
Your car insurance company must file your SR-22 certificate for you after you are convicted of DUI. There are several reasons why the state might want to make sure you have the legal amount of car insurance and require you to file SR-22 insurance. Some of the facts behind SR-22 coverage include:
- After receiving a DUI or charged with any other high-risk violations, you must file an SR-22.
- The SR-22 form stays on your records for three years. During that time, you must maintain a clean driving record. If your coverage lapses, the time will be reset.
How Much is an SR-22?
The cost for filing an SR-22 in California is $25-$40. This cost does not include the cost of car insurance coverage.
Reasons an SR-22 May Be Required in CA
The following is a list of reasons you may be asked to satisfy a SR-22 requirement. Having a suspended or restricted license may also be cause for filing.
- Driving without a legal license, not having it with you, or it is expired.
- Driving without the minimum state required auto insurance or liability insurance coverage of 15/30/5 may cause you to be required to file an SR-22 certificate.
- Receiving multiple traffic citations over a short period, driving recklessly or certain high-speed traffic violations.
- Having any serious moving violation, like a DUI or DWI.
- Your license is suspended or revoked.
- Unpaid court-ordered child support.
If you are convicted for driving under the influence in California, you will most likely be looking for a DUI solution. Freeway Insurance has experience with finding affordable car insurance for high-risk drivers.
How Long Will I Need an SR-22 Insurance in California?
Due to serious nature of these offenses, the SR-22 will stay on your driving record for three years. Over that time, it is necessary to renew the form. Check with your state DMV regarding renewal periods. If you do not continue to keep the SR-22 on file as directed, you may be subject to legal action, additional fees, and penalties or have difficulty renewing your insurance policy.
What are the SR-22 Insurance California Requirements?
If identified as a high-risk driver, you are required to file an SR-22. A DUI violation is the most common reason drivers file the SR-22 form and end up looking for DUI car insurance. Having this on your California driving record will affect you in many ways and for several years to come. Below are some of the consequences that come along with high-risk driving behavior:
- A first offense starts at $450, with additional fines and fees.
- Your insurer may drop you as a customer or could increase your premium.
- You must file the SR-22, pay the fees associated with filing, and renew as directed by the California DMV for three years.
- Your average car insurance premium will increase 80-100% in the future.
- You may be required to use an ignition interlock device.
- The DUI charge stays on your driving record for ten years.
- A DUI conviction, if severe enough, may go on to your criminal record.
How Do You Get Auto Insurance with SR-22 in California?
Your insurance provider submits an SR-22 on your behalf. You must contact them to begin the process.
Keep in mind that not all insurance providers cover those who have an SR-22 on their record. You may be considered too high-risk for the company to insure. If your insurer does not continue coverage, there are still providers that specialize in insuring providing risky drivers with high-risk auto insurance. Once you find an insurance company, they will file the SR-22 on your behalf and assure the state that you have insurance coverage.
It is common practice for these insurance providers to request that you pay the policy premium in full. If you do not pay for your insurance, the insurer will drop your policy. Insurance companies are required by law to report lapses in coverage to the state.
How Do You Get Your California SR-22 Removed?
It is your responsibility to contact the insurance provider to have an SR-22 removed as you get to the end of the three years. The California DMV does not keep track of the end dates. The insurance provider will take the necessary steps to have the SR-22 removed. After this is completed, start shopping around for more reasonably priced insurance. Premium costs won’t go down right away, but you may find something affordable and save some money.
Have an SR-22? Get a Custom Car Insurance Quote for California Today!
SR-22 insurance protects you from the consequences of driving without insurance in California. And should you be involved in an accident, Freeway can help get coverage for any car repairs or medical expenses for both you and other drivers involved. Get started with a car insurance quote online, visit us at a California office near you, or call us at 800-777-5620 for a quote.