By Jason Ayala, licensed agent (CA #0G67764) · October 22, 2026
Short answer: an SR-22 isn’t a type of insurance. It’s a certificate your insurance company files with the California DMV to prove you carry at least the state minimum liability coverage. After a DUI-related suspension, it’s generally required for three years. Your DMV notice gives your exact dates.
DUI & SR-22 insurance · call 888-391-5981.
Who needs an SR-22
- Drivers with a DUI-related license suspension
- Drivers suspended for driving without insurance
- Some drivers with serious violations or unpaid accident judgments
How to get one
- Buy an auto policy (or a non-owner policy if you don’t own a car) from a carrier that files SR-22s.
- The insurer files the SR-22 with the DMV, often electronically the same day.
- Complete the other DMV steps on your notice before your license is reinstated.
Don’t let it lapse
If your policy cancels, including for a missed payment, your insurer must tell the DMV, which can lead to a new suspension. If you switch carriers, put the new policy and SR-22 in place before you cancel the old one.
Source: Shouse California Law Group, SR-22 requirements.
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Frequently asked questions
Do I need a car to get an SR-22?
No. A non-owner policy can carry the SR-22 if you don’t own a vehicle.
Do I have to refile every year?
No. It stays on file as long as your policy stays active for the required period.
What if I move out of California?
You usually still have to keep the California SR-22 for the full period. Ask us before you move.
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