California SR-22 Auto Insurance

The Zebra
Nov. 15, 2018

If you need an SR-22 certificate to obtain auto insurance in California, you aren't the only one. This relatively common legal requirement is triggered by a violation such as a DUI/DWI, a citation for driving without insurance, a collision causing substantial property damage, driving with a suspended license, or collecting too many points on your license.

Finding cheap insurance coverage with an SR-22 in California might not be easy, but it could pay off. The Zebra examined how much money a California SR-22 would cost and how to get one — let’s dive in.

Find affordable car insurance with an SR-22!

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How much should you expect to pay for an SR-22 in California?

SR-22 insurance in California can be expensive. This isn't a direct cost of the SR-22 — filing fees are $15 to $35 — but a product of the insurance cost increases that come with the driving citation that prompted the SR-22.

Car insurance companies bill high-risk drivers increased rates to account for the heightened risk of an accident. The rate increase you’ll face will depend on the severity and number of the violations — below are average insurance premiums for drivers with SR-22s in California.

High-risk rating factorAverage annual rateIncrease vs. no citations
No violations$1,712.54
At-fault crash (>$2,000)$2,435.00$722.46
Speeding (21-25 mph > limit)$2,345.85$633.31
Reckless driving$4,866.88$3,154.34
Leaving the scene of an accident$3,503.69$1,791.15

If you want inexpensive car insurance with a SR-22, we are here to help. Enter your ZIP to find personalized auto insurance quotes from leading companies.

How to get an SR-22 certificate in California

For currently insured drivers:

If you have an active car insurance policy, obtaining an SR-22 should be easy. Call up your car insurance company ask them to file a SR-22 certificate request on your behalf. If your current insurance company isn’t willing to file for an SR-22, you’ll need to shop for a new policy with a new insurance company.

Currently uninsured?

When applying for car insurance, you might face an additional fee for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. Needing an SR-22 certification might prevent you from buying insurance from some carriers, while others may happily sell you a policy.

For non-owners:

If you don't own a vehicle, it could be more difficult to obtain an SR-22, as you'll need to show proof of insurance to obtain a certificate. If this is the case, you should buy a non-owners auto insurance policy before filing for an SR-22. A non-owners policy is usually cheaper than traditional coverage since it doesn't protect against physical damages to your vehicle.


Between September and December 2017, The Zebra conducted car insurance price analysis using its proprietary quote engine, comprising data from rating systems and public rate filings. The Zebra analyzed nearly 53 million rates to identify trends for car insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.