California SR-22 Insurance
California SR-22 Insurance Requirements
At Breathe Easy Insurance Solutions, we are well-versed in the California DMV’s post-DUI insurance requirements. Our approach to SR-22 filing simplifies the insurance-buying process and helps our clients save significant money. Our specialized DUI insurance team is ready to assist with any questions or concerns you may have about DMV regulations, SR-22 filings, and DUI education programs.
In California, the blood alcohol concentration (BAC) limit for drivers above 21 years using personal vehicles is set at 0.08%. Drivers under 21 years will incur a one-year suspension for BAC levels exceeding 0.01%.
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Minimum Insurance Requirements in CA
To drive legally in California, you must carry at least the following minimum liability coverage:
- $15,000 for bodily injury per person
- $30,000 for total bodily injury per accident
- $5,000 for property damage
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Understanding SR-22 and Its Duration
An SR-22, or "Certificate of Financial Responsibility," is required in California for a three-year probationary period, during which drivers must maintain proof they meet minimum liability insurance requirements.
There are three ways to file the SR22:
- Car Insurance Policy
- Motorcycle Policy
- Non-Owner's Policy
The first two are intended for drivers with the vehicles registered in their name. The non-owner’s policy is intended for a driver who does not own a vehicle and wants to satisfy the DMV or a driver that drives a commercial truck or rents cars often.
California Ignition Interlock Device (IID) Requirements
An IID is a device linked to your vehicle's ignition that checks your breath alcohol concentration.
California is running a statewide IID pilot program in which drivers may avoid a mandatory suspension period by installing an IID and meeting other program requirements.
Under the program, for convicted repeat DUI offenses and ALL convicted injury-involved DUI offenses, participants are required to install an IID for 1 to 4 years depending on the number of prior DUI convictions. For a first DUI without injury, you must only obtain an IID if a court orders it, though you may choose to install an IID to obtain an IID restricted license prior to your suspension period running. You may also choose to install an IID rather than serve an administrative suspension.
Additional Fees Associated with a DUI
A DUI conviction necessitates a $125.00 registration fee to obtain a restricted license and a $15.00 fee for license reprint. Mandatory IID-restricted licenses come with a $103.00 administrative service fee. There may be additional fees such as reissue fees and restriction fees.
California County and City Information
Select your county or city from the dropdown below to learn more about SR-22 insurance.
What Happens if I Get a DUI in California?
First DUI Offense
- Fines: $400 - $1,000
- Jail time: 24 hours
- Suspension:
- Six months if BAC is under .20%
- 10 months if BAC is .20% or more
- Ignition interlock: Depends on court decision and zip code
- Alcohol classes:
- Alcohol classes or DUI school required for three months if BAC is under .20%
- Nine months if BAC is .20% or more, or you refused to be tested
Second DUI Offense
- Fines: $500 - $1,000
- Jail time: Four days to 30 days
- Suspension: Two years
- Ignition interlock: Required
- Alcohol classes: 18 months to 30 months of alcohol classes, treatment, or DUI school
Third DUI Offense
- Fines: $2,500 - $3,000
- Jail time: Four months to seven months
- Suspension: Three years
- Ignition interlock: Required
- Alcohol classes: 30 months of alcohol classes or DUI school
FAQs About SR-22 in California
An SR-22 is a certificate that proves you have the minimum required auto insurance coverage mandated by your state. It's often required for drivers who have been convicted of serious driving offenses like DUIs or driving without insurance.
The duration of SR-22 insurance requirements varies by state and the offense. Typically, it's required for a minimum of three years, but it can be longer depending on the circumstances. During this period, the insurance company will keep the state updated on your car insurance policy renewals and cancellations to ensure you maintain consistent coverage. Breathe Easy can help you understand the specific duration needed in your case.
Allowing your SR-22 policy to lapse or canceling it prematurely can result in serious consequences, including license suspension or additional fines. It's crucial to maintain continuous coverage until your SR-22 requirement is fulfilled. This can be a challenge if your long-time insurance carrier decides to end your coverage after your DUI.
When you are done selecting your insurance plan, Breathe Easy can connect you with an Intoxalock representative for further assistance. They will answer any questions you have and help you get set up with an installation appointment at a convenient time.
Get Your License Back with Breathe Easy Insurance
Let Breathe Easy Insurance help you get started today. Call 833-786-0237 now or fill out a form for a free SR-22 quote. Our licensed insurance agents will walk you through the reinstatement process and help you get back on the road. We understand that this can be an overwhelming and stressful time, let our staff help you with all of your insurance and licensing needs. We are America’s SR-22 Insurance Experts, see why by calling our offices today for a free quote.
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