What Happens If SR-22 Insurance Lapses in California

If the insurance behind your SR-22 is cancelled or lapses while the DMV still requires proof, there can be serious consequences. Here is what the DMV says and what to do.

Consequences of a Lapse

• License suspension. The DMV says that if your insurance is canceled before California’s proof-filing requirement has ended, your driving privilege can be suspended until a new insurance certificate is received and approved.
• Vehicle registration suspension. Separately, the DMV suspends a vehicle’s registration when it is notified that a policy was cancelled and no replacement is submitted within 45 days. A reinstatement fee applies to clear a registration suspension.
• A longer requirement. Depending on your case, the DMV may extend or restart the period. Check your notice.

What to Do If Coverage Lapsed

1. Do not drive if your license is suspended.
2. Contact an insurance company authorized in California and buy a policy that meets the minimums: $30,000 / $60,000 for bodily injury and $15,000 for property damage (DMV).
3. Ask the insurer to file a new SR-22 with the DMV.
4. Confirm with the DMV what else you owe and whether your license can be reinstated. See license reinstatement after an SR-22 suspension.

How to Avoid a Lapse

• Pay premiums on time and consider autopay.
• Renew before expiration.
• When switching insurers, make sure the new SR-22 is filed before you cancel the old policy.
• If you cannot pay, talk to your insurer before the due date.

Related: what an SR-26 is and how long SR-22 is required.

General information only, not legal or insurance advice. Confirm your requirements with the California DMV. Back to the SR-22 guide.