Post-SR22 Insurance in California: Rates & Recovery
California requires 30/60/15 liability coverage and is an at-fault state.
Compare Rates After SR-22California at a Glance
30/60/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$55
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in California
Drivers who completed an SR-22 requirement for DUI, license suspension, or at-fault uninsured accidents typically faced 3 years of continuous filing and now carry that history on their motor vehicle record. The California Department of Motor Vehicles tracks these violations, and most insurers apply surcharges for 3–5 years after the SR-22 period ends.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Comprehensive Coverage
Collision Coverage
What Drivers Pay in California
$272–$620/mo
Typical monthly rate in California, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Original violation type—DUI surcharges typically last 5 years, while suspension for non-payment may clear faster
- Carrier specialization—non-standard insurers like Bristol West, Acceptance, and Connect often offer lower post-SR22 rates than legacy carriers
- Credit-based insurance score—many California carriers use credit factors, and post-SR22 drivers with improved credit see faster rate recovery
- Current driving record—a single additional violation during the recovery period can extend surcharges by 2–3 years
Shop Again Now That Your Filing Has Ended
Compare Rates After SR-22If your license is suspended
Restricted driver license
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. California's 15/30/5 minimums are insufficient for most accidents, and post-SR22 drivers face heightened lawsuit risk if they cause another serious accident.
Full Coverage
Combines liability, comprehensive, and collision coverage. Protects your vehicle and others' property, and is required by most lenders throughout your loan or lease term.
Comprehensive Coverage
Pays for non-collision damage: theft, vandalism, fire, weather, animal strikes. Subject to a deductible, typically $500–$1,000 for post-SR22 drivers.
Collision Coverage
Repairs or replaces your vehicle after an at-fault accident, minus your deductible. Post-SR22 drivers pay elevated collision premiums due to their claims history, with rates declining over 3–5 years.
Uninsured Motorist Coverage
Covers your injuries and vehicle damage if you're hit by a driver with no insurance or insufficient coverage. California requires insurers to offer UM/UIM matching your liability limits, though you can decline it.
SR-22 Insurance
SR-22 is a certificate filed by your insurer proving continuous coverage. If you recently completed your 3-year SR-22 requirement, you no longer need the filing, but the underlying violation still affects your rate for 3–5 years.