Do you need SR-22 insurance after a DUI in California? This is an important question to ask, as failing to maintain an SR-22 when required can cause delays or disruptions when you are reinstating your driving privileges. In many cases, drivers are required to file an SR-22 to prove that they have California’s required minimum liability coverage.
What Is an SR-22?
An SR-22 is a certificate that your insurance provider files with the California DMV. It is not a specific type of insurance; rather, it is a certificate of financial responsibility. An SR-22 verifies that you have the minimum liability insurance required by California Law.
Having insurance is always important, but is especially applicable in DUI cases, as there is a high risk of an accident. In 2026, the coverage requirements in California include:
- $30,000 per person for bodily injury and death
- $60,000 per accident for bodily injury and death
- $15,000 per accident for damage to property
Filing an SR-22 is typically not a difficult process, as your insurer files it with the DMV, not you. However, your insurer may charge you a fee.
When an SR-22 Is Required After a DUI
After a DUI, you are not immediately required to file an SR-22. However, once your driver’s license suspension is over, if you wish to reinstate your license, you must file an SR-22. The DMV requires the SR-22 for at least three years. If you fail to maintain the required insurance during this period, your insurer can notify the DMV, which may result in your license being suspended again.
It is important to make sure that your insurer is able to provide the SR-22 to the DMV. Otherwise, your license reinstatement may be delayed until proof of insurance is obtained.
How a DUI Case Affects Your Insurance
Simply filing an SR-22 is not the only change that is made when it comes to your auto insurance after a DUI conviction. Insurance companies consider your DUI when calculating your auto insurance premium.
Driving while impaired is extremely dangerous, leaving you at a high risk of injury, property damage, and even death. Insurance companies can view a DUI conviction as an indicator that you are more likely to file claims, and may increase your rates. Most premiums are increased by about 136% after a DUI in California.
Hire a DUI Lawyer Who Can Explain What Comes Next
The consequences of a DUI case extend far beyond sentencing. However, it can be overwhelming to think about what comes next after a DUI conviction, especially if you are not sure what steps to take. If this is you, Kolacia Law Firm can help.
Kolacia Law Firm is a skilled criminal defense firm with experience with California DUI laws. We not only help clients avoid convictions and minimize sentences during the original case, but we also help individuals understand what to do after a conviction.
We can evaluate your case and identify how your conviction impacts your insurance responsibilities. Contact us to speak with a DUI attorney about your legal rights and responsibilities after a conviction.
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