← Back to Blog

SR-22 Insurance Explained: Cost, Requirements, Filing

January 3, 2026·6 min read·SR-22

What Is SR-22?

An SR-22 is a certificate of financial responsibility — NOT a type of insurance. Your insurance company files it with the California DMV to prove you carry the required minimum coverage.

When Do You Need SR-22?

  • DUI conviction (most common reason)
  • Driving without insurance
  • Too many points on your record
  • At-fault accident while uninsured
  • License reinstatement after suspension
  • How Much Does SR-22 Cost?

    The SR-22 filing itself costs $15-$25 (one-time fee). But your insurance premiums will increase because you're now classified as high-risk.

    Typical SR-22 insurance in California:

  • Minimum coverage: $50-$150/month (depending on your record)
  • Full coverage: $150-$350/month
  • Duration: 3 years of continuous coverage
  • How to Get SR-22 Fast

    1. Contact an independent insurance agency (like FasTrak)

    2. We find you the best rate from our 50+ carriers

    3. We file the SR-22 electronically with the DMV

    4. You receive confirmation within 24 hours

    Important Rules

  • Never let SR-22 lapse. Your insurance company must notify the DMV within 10 days if your policy cancels, and your license will be re-suspended.
  • 3 years continuous. Any gap resets the clock.
  • Not all companies offer SR-22. That's why an independent agency is valuable — we know which carriers accept SR-22.
  • Get SR-22 Filed Today

    Get a fast SR-22 quote → or call (800) 267-5550

    Need help with the full DUI reinstatement process? Visit DUI-Help.org.


    FasTrak Insurance Solutions — fast SR-22 filing since 2006.

    Save on Auto Insurance

    We shop 50+ carriers to find your best rate

    Get Free Quote →