California Non Owner SR22 Insurance

California Non-Owner Sr22 Insurance Explained

California SR22 Insurance – Every driver in the state of California is required to prove financial responsibility or “SR22 Insurance” in order to operate any vehicle. Most drivers simply purchase a car insurance policy and carry a proof of insurance card in their vehicle in the event they are ever stopped by an officer or involved in an accident. Certain drivers, however, are required to provide proof to the state that they have and are maintaining their financial responsibility (SR22)  in order to keep their driving privileges and it must be kept current in order to prevent driver’s license suspension.

An SR22 is actually a rider to your auto insurance policy, indicating proof of financial responsibility. It is issued when required by the state (California), typically for those drivers who have been convicted of certain driving related offenses. Your insurance carrier must submit an SR22 form to the state for you and it must be kept current for the mandated period, which according to the Department of Motor Vehicles ( is typically three years.

California SR22 Auto Insurance is usually required for a period of 3 years from the date of conviction. The SR22 is generally mandated for any Drunk Driving / Alcohol related incident. The insurance coverage required on a California SR22 is 15/30/5. This means:

  • $15,000 is the maximum amount paid per person for Bodily Injury (BI)
  • $30,000 is the total amount paid by the insurance company for injuries sustained by all persons in the event of an accident. This is generally done on a “first come, first serve” basis. Therefore, any claims made against the insurance company in excess of the policy maximums will be held against the insured themselves.
  • $5,000 is the total amount paid out on Property Damage (PD)

Drivers in California may be required to file an SR-22 with the Department of Motor Vehicles for a number of reasons including:

  • Involved in motor vehicle accident and not being insured
  • Convicted of driving under the influence of alcohol/drugs
  • Driving with a revoked license
  • Restricted license