How Long Do You Need to Carry SR-22 Insurance in California?

If you’ve been told you need an SR-22 in California, you may have many questions. You’re likely wondering how long you’ll need to maintain this documentation, what it means for your driving future and how it might impact your premiums. In fact, you might not even fully understand what an SR-22 is. With all these things in mind, the team at Victorias Insurance Services is standing by with guidance and assistance.

What Is SR-22 Insurance?

Although often referred to as SR-22 insurance, these forms are not actually a type of insurance policy. Rather, an SR-22 is a certificate your insurer files with the California Department of Motor Vehicles (DMV). This documentation verifies that you’re complying with the state’s minimum required auto liability coverage.

You may be ordered to have an SR-22 after various situations that typically deem you to be a higher-risk driver. For example, filing is typically required after certain serious violations, such as a DUI or reckless driving. Additionally, driving without insurance or having your license suspended could lead to an SR-22 order.

How Long Do SR-22 Orders Last?

Generally, motorists in California who have been ordered to maintain an SR-22 will have to do so for three years, starting from the date their driving privilege is reinstated. However, the exact duration can vary based on certain factors, such as the following:

• The type and severity of your violation
• Whether you have previous offenses
• Any lapses in your coverage

Maintaining active and compliant auto insurance throughout the duration of your SR-22 order is critical, as any interruptions in coverage would represent a violation of the order and restart the clock on your requirements.

How We Help

At Victorias Insurance Services, we have the knowledge and experience to help you understand your obligations and comply with SR-22 orders.

Contact us today to get personalized guidance and support.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.