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Yes, you can get an SR-22 without insurance in California. You can satisfy your SR-22 requirement by getting a certificate of $35,000 cash deposit, a surety bondnor a self-insurer certificate instead of getting an insurance policy. An SR-22 is documentation proving that a driver has at least the minimum coverage required by California law after they’ve been convicted of serious violations such as driving uninsured, reckless driving, or a DUI.
If you get an insurance policy, you need to buy a policy with at least $15,000 in bodily injury liability insurance per person ($30,000 per accident) plus $5,000 in property damage liability insurance before you can get SR-22 documentation in California. Then your insurance company can file the SR-22 with the DMV, confirming that you’re actually following the law. If you are planning on getting a certificate of $35,000 cash deposit, a surety bondnor a self-insurer certificate, you may need to file the necessary paperwork with the DMV yourself.
Not only do you need proof of financial responsibility to meet SR-22 requirements in California, but you must also maintain that proof for 3 years. If you do not have SR-22 insurance or other proof of financial responsibility, you will face additional fines and penalties, including the possibility of license suspension or jail time if you’re caught driving. California drivers may be able to get SR-22 insurance from GEICO, AAA, and Wawanesa for reasonable rates.
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Non-owner SR-22 insurance costs at least $15 - $25, due to the fee insurers charge for filing an SR-22 form with the DMV. Non-owner SR-22 insurance also costs roughly 3% more than a standard non-owner car insurance policy, on average, given the high-risk surcharge that insurers apply to the premiums of drivers who need an SR-22.
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SR-22 insurance covers the cost of other people’s injuries and property damage after accidents that you cause, and it does not cover damage to your own vehicle. If the court or state tells you that you need SR-22 insurance certification, your minimum coverage requirements are still the same as for any other resident.
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Yes, you can get car insurance with a suspended license, if you have a hardship or restricted license to drive to work, school, and medical appointments. In some cases, you may also need to get an SR-22, which will make getting insurance a lot harder. You should also be aware that you will be seen as a high risk driver, and will have higher rates.
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