California SR-22 & High-Risk Auto Insurance
California requires 30/60/15 liability coverage and is an at-fault state.
Get Quotes Based on Your RecordCalifornia 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
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in California
These minimums rank among the lowest in the nation and are typically insufficient after an at-fault accident. The California Department of Motor Vehicles (DMV) requires SR-22 filing for drivers with DUI convictions, multiple violations within 12 months, at-fault accidents while uninsured, or license suspensions for negligent operation. High-risk drivers often need coverage above state minimums to meet lender requirements or protect assets after a violation.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
What Drivers Pay in California
$318–$437/mo
Typical monthly rate in California, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Time since violation: Rates decrease annually as violations age, with significant drops after 3–5 years
- Carrier availability: Non-standard carriers like The General, Bristol West, and Kemper write high-risk drivers but charge more than standard market
- Credit score: California allows insurers to use credit-based insurance scores, which often decline after a DUI or suspension
- Coverage level: Adding comprehensive and collision to a high-risk policy can double premiums compared to liability-only
Get a Rate That Matches Your Record Today
Get Quotes Based on Your RecordCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Required by law and the foundation of any SR-22 filing in California.
SR-22 Filing
Certificate proving you carry minimum liability coverage, filed by your insurer with the California DMV. Required for DUI, suspensions, and uninsured accidents.
Non-Standard Auto Insurance
Coverage from insurers specializing in high-risk drivers. Offers SR-22 filing, flexible payment plans, and acceptance of DUI or suspension history.
Uninsured Motorist Coverage
Protects you if hit by a driver with no insurance. Covers medical bills and vehicle damage without filing a claim on your own liability policy.
Full Coverage
Combines liability, collision, and comprehensive insurance. Required by lenders and recommended for vehicles worth over $5,000.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Subject to deductible choice, typically $500–$1,000.