What is SR-22 Insurance in Los Angeles?

Introduction

If you’ve been told you need SR-22 insurance in Los Angeles, you’re not alone—and you’re not in trouble forever. SR-22 isn’t actually insurance but a form that proves you carry the state’s required minimum auto liability coverage.

Whether it was a DUI, reckless driving, or driving without insurance that led to this requirement, this guide breaks down what SR-22 is, who needs it, how long it lasts, and how local agencies like eWay Insurance help drivers get back on the road—quickly and affordably.

What Is an SR-22?

An SR-22 is a certificate your insurer files with the California DMV confirming that you meet the state’s minimum auto insurance requirements. It’s required when your driving privileges have been suspended or revoked due to high-risk violations.

Despite the name, it’s not a type of insurance—it’s a legal filing attached to your existing auto policy.

Who Needs SR-22 Insurance in California?

You may need SR-22 if you’ve been involved in any of the following:

• DUI or DWI conviction
  
  
• Reckless driving charge
  
  
• Driving without insurance or registration
  
  
• Too many points on your license in a short time
  
  
• At-fault accident while uninsured
  
  
• Reinstating your license after suspension
  
  

eWay Insurance specializes in helping high-risk drivers navigate these requirements without judgment or delay.

California’s SR-22 Requirements (2025 Update)

To comply with SR-22 requirements in 2025, your auto policy must include:

• Bodily injury liability: $30,000 per person / $60,000 per accident
  
  
• Property damage liability: $15,000 per accident
  
  

These amounts match California’s new minimum coverage limits introduced in 2025. Your insurance provider must electronically file the SR-22 form with the DMV as proof of financial responsibility.

How Long Do You Need SR-22 in California?

Typically, you’re required to maintain SR-22 for three years from the date your license is reinstated. However, this period can vary based on the severity of the offense or whether additional violations occur.

During this time, lapsing or canceling your insurance can reset the clock or result in a license suspension.

How Much Does SR-22 Insurance Cost in Los Angeles?

The cost of SR-22 insurance includes two components:

1. Filing fee: Usually a one-time fee of $15 to $50
   
   
2. Higher premium: Because SR-22 drivers are considered high-risk, monthly premiums can range from $150 to $400 or more depending on your record, vehicle, and provider.
   
   

How eWay Insurance helps you save:

• Compares SR-22 policies across 80+ insurers
  
  
• Offers non-owner SR-22 policies for those who don’t own a car but still need the filing
  
  
• Helps remove SR-22 when no longer required, preventing you from overpaying
  
  

Non-Owner SR-22 Insurance: What It Is and When You Need It

If you don’t own a vehicle but need to reinstate your license, non-owner SR-22 insurance can satisfy the DMV requirement.

This is ideal for:

• Drivers between cars
  
  
• People borrowing or occasionally renting vehicles
  
  
• Reinstating a suspended license before buying a new car
  
  

eWay Insurance offers same-day non-owner SR-22 filings—often within 30 minutes.

What Happens If You Let Your SR-22 Policy Lapse?

A lapse in coverage during the SR-22 period can lead to:

• Automatic license suspension
  
  
• Restarting the SR-22 requirement from zero
  
  
• Additional fees or court penalties
  
  

This is why consistent coverage and proactive renewal are critical. eWay Insurance sends reminders, helps manage renewals, and ensures your policy is always compliant.

Frequently Asked Questions

1. Can I get SR-22 insurance the same day?
Yes. eWay Insurance can process same-day SR-22 filings and provide immediate proof to the DMV.

2. Does SR-22 insurance cover my car?
Yes, if it’s a standard auto policy. If it’s a non-owner SR-22, it only provides liability coverage when driving vehicles you don’t own.

3. How do I know when I no longer need SR-22?
The DMV determines the required time period. eWay can confirm your status and assist with removal when you're eligible.

4. Will my insurance return to normal after SR-22?
Usually, yes—after the required period and if no new violations occur, you’ll qualify for standard rates again.

5. Is SR-22 insurance more expensive in Los Angeles?
Yes, due to local risk factors. But eWay Insurance compares dozens of providers to help lower costs—even for high-risk drivers.

6. Do I need to notify the DMV when I cancel SR-22?
Your insurer files the form directly. Canceling without replacement will trigger a DMV notice and likely suspension. eWay handles all filings to avoid this issue.

Final Thoughts

Needing SR-22 insurance in Los Angeles isn’t the end of the road. With the right guidance, you can get insured quickly, stay compliant with California law, and work your way back to lower rates.

eWay Insurance has helped thousands of LA drivers restore their driving privileges with affordable SR-22 coverage and expert DMV support. Their team handles the filing, compares plans, and walks you through the entire process—so you’re never left navigating it alone.