What steps must I take to get an SR-22 certificate filed with the California DMV after a driving offense?
To get an SR-22 certificate filed, you must purchase auto insurance from a company licensed in California that will then file the certificate directly with the DMV for you. The SR-22 is not something you file yourself; it is proof of financial responsibility submitted by your insurer.
Here are the steps you must take to complete the process:
Step 1: Find an Insurance Provider
Contact insurance companies that are licensed in California and offer SR-22 filings. Not all insurers provide this service. You should shop around, as rates for drivers requiring an SR-22 can vary significantly. Be prepared to inform them that you need an SR-22.
Step 2: Purchase a Qualifying Auto Insurance Policy
You must purchase an auto insurance policy that meets or exceeds California's minimum liability coverage requirements. The SR-22 is an endorsement or rider added to this policy; it is not insurance itself.
Step 3: Request the SR-22 Filing
Explicitly instruct your insurance provider to file the SR-22 Certificate of Insurance with the California DMV on your behalf. They will typically charge a one-time filing fee, usually between $25 and $50. The insurer will submit this proof of insurance to the DMV electronically.
Step 4: Pay All Required DMV Fees
To reinstate your driving privilege, you must also pay any outstanding license reinstatement fees directly to the DMV. The SR-22 filing alone will not restore your license. You can typically pay these fees online on the DMV website, by mail, or in person.
Step 5: Maintain Continuous Coverage
You are required to maintain your SR-22 insurance without any lapses for the entire period mandated by the DMV, which is typically three years. If you cancel your policy or miss a payment, your insurer is legally required to notify the DMV, which will result in your license being suspended again.
Important Details:
After your insurer files the SR-22, it can take the DMV several business days to process it. You can check the status of your driver's license online at the California DMV website to confirm they have received and accepted the filing before you begin driving. If you move out of state during your required period, you must still maintain the California SR-22.
Warnings and Limitations:
An SR-22 requirement will classify you as a high-risk driver, which will lead to higher insurance premiums. Do not attempt to drive until you have confirmed with the DMV that your license has been officially reinstated.
This is general information and does not constitute legal advice. For complex situations, such as multiple offenses or issues with the DMV, you should consult with a qualified California attorney.
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Disclaimer:
This information is for general guidance only and should not be considered as legal advice. Please consult with a qualified attorney for specific legal matters.
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Updated: August 13, 2025
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