California SR-22 Insurance After DUI & Suspensions
California requires 30/60/15 liability coverage and is an at-fault state.
Find Affordable Coverage After SR-22California at a Glance
30/60/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$55
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in California
Drivers convicted of DUI, caught driving without insurance, or suspended for excessive points must file SR-22 proof of financial responsibility with the California Department of Motor Vehicles for 3 years. When your SR-22 requirement ends, the DMV does not automatically notify you or your insurer—you must proactively request an SR-22 removal letter from your carrier and verify the filing is terminated to avoid overpaying for non-standard coverage.
Liability Insurance
Full Coverage
Uninsured Motorist Coverage
SR-22 Insurance
Comprehensive Coverage
What Drivers Pay in California
$272–$620/mo
Typical monthly rate in California, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Continuous coverage history—any gap during or after SR-22 delays access to standard carriers by 6–12 months
- Credit-based insurance score—California allows credit as a rating factor; improving credit accelerates rate recovery
- Carrier competition—standard insurers like Progressive, GEICO, and Nationwide compete for post-SR22 drivers after 12 months
Your SR-22 Is Over. Your Rate Should Drop Too
Find Affordable Coverage After SR-22If your license is suspended
Restricted driver license
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers injury and property damage you cause to others. Required to terminate SR-22 and essential during rate recovery to avoid personal lawsuit exposure.
Full Coverage
Liability plus collision and comprehensive. Protects your vehicle and finances if you have a loan or lease.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage if you're hit by an uninsured or underinsured driver.
SR-22 Insurance
Certificate filed by your insurer proving you carry minimum liability. Required for license reinstatement after DUI, suspension, or uninsured driving.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, fire, weather, and animal strikes. Typically required by lenders.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident or single-vehicle crash, minus your deductible.