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In California, an SR-22 is filed by your insurance company, not by you. This guide walks through the process from the DMV notice to confirming the filing, using California DMV information.
Who Files the SR-22?
The DMV describes the SR 22 as a California Insurance Proof Certificate issued by an insurance company authorized to do business in California. You buy the policy and ask for the filing; the insurer sends the certificate to the DMV. For the basics, see our SR-22 guide for California.
Step-by-Step
- Read your notice. The DMV or court notice explains why proof of insurance is required and what else you must do.
- Contact an insurance company authorized in California. Companies differ on whether they file SR-22s, so you may need to ask more than one. Tell them you need an SR-22 filing.
- Meet the minimum liability limits. The DMV lists them as $30,000 for injury or death of one person, $60,000 for more than one person, and $15,000 for property damage (DMV insurance requirements).
- Ask about filing fees. Fees are set by each company, so ask what it charges for the filing.
- Have the insurer file the certificate and keep a copy of your confirmation.
- Confirm with the DMV. Check that the filing is recorded before you assume your license can be reinstated.
The SR-22 Is Not the Only Requirement
Depending on your case, the DMV can also require other steps, such as serving a suspension, completing a DUI program or paying fees. Your license is reinstated only when all requirements in your notice are met. See how to reinstate your license after an SR-22 suspension.
Keep the Filing Active
The DMV says that if insurance is cancelled before the filing requirement ends, your driving privilege can be suspended until a new certificate is filed. Read how long SR-22 is required and what happens if it lapses.
Common Questions
Can I file the SR-22 myself?
No. It must come from an insurance company authorized in California.
Do I need a car?
Not necessarily. If you do not own a vehicle, ask insurers about non-owner SR-22 options; availability depends on the company.
General information only, not legal or insurance advice. Confirm your requirements with the California DMV.