DMV4 min read

SR-22 in California: What the DMV Actually Requires

An SR-22 is not insurance itself — it's a certification form. Understanding the difference can save you time, money, and headaches.

AI

Auto International Team

April 6, 2026

What Is an SR-22?

An SR-22 is a form your insurance company sends to the California DMV to certify that you carry the minimum required liability coverage. It's not a separate insurance policy, but a rider attached to your existing policy.

When Do You Need One?

  • After a DUI/DWI conviction
  • After driving without insurance
  • After accumulating too many points on your license
  • After an uninsured accident

How Long Must You Keep It?

In California, you're typically required to maintain an SR-22 for 3 years. If your policy is canceled during that time, your insurer immediately notifies the DMV and you could lose your license.

How Much Does It Cost?

The form itself costs between $15 and $50. However, having an SR-22 on your record generally increases your insurance premium. We can help you find the most affordable option available.