An SR-22 is one of the most misunderstood requirements after a DUI. Let's break it down simply.
What Is an SR-22?
An SR-22 is NOT a type of insurance. It's a certificate — a form your insurance company files with the DMV to prove you have the minimum required liability coverage. Think of it as proof of financial responsibility.
Who Needs an SR-22?
In California, you'll need an SR-22 if you've been convicted of: - DUI (first or subsequent offense) - Driving without insurance - Reckless driving - At-fault accident without insurance - License suspension or revocation
How Much Does It Cost?
**The SR-22 filing itself:** Usually $15-50 one-time fee from your insurer.
**The insurance:** This is where costs vary. Your premiums will likely increase after a DUI, but the amount depends on your carrier, driving record, and coverage level.
**Pro tip:** If you already have auto insurance, your carrier can often add the SR-22 for just $15-25. You don't necessarily need a whole new policy.
Owner vs. Non-Owner SR-22
- •**Owner SR-22:** Required if you own a vehicle. Covers the car you drive.
- •**Non-Owner SR-22:** Only for people who do NOT own a vehicle and don't regularly drive anyone else's. If you own a car, you need an owner policy — period.
How Long Do You Need It?
In California: **3 years** from the date of conviction. If your SR-22 lapses — even for one day — the DMV is notified and your license is suspended again.
How to File
- •. Contact your insurance company
- •. Request SR-22 filing
- •. Pay the filing fee
- •. Your insurer submits the SR-22 to the DMV electronically
- •. Keep your policy active for the full 3-year requirement
Need help finding affordable SR-22 options? [DUI-Help.org members](/pricing) get assistance finding competitive rates.