What is an SR-22?

An SR-22 is an insurance document that shows proof of financial responsibility and verification of auto liability coverage. The DMV may require you to provide an SR-22 in addition to your car insurance if you drive under the influence of drugs or alcohol, drive without proper insurance, are a habitual traffic offender, or are involved in a motor vehicle accident.

How does an SR-22 affect you?

An SR-22 must be carried for a designated time period, depending on the severity of your violations. Most people that are required to have an SR-22 can expect to have it for up to three years. During this time, you must maintain continuous liability coverage. Any break in coverage will be reported to the state of California, resulting in the suspension of your license. On top of securing adequate insurance, drivers with an SR-22 status should adhere to traffic laws and refrain from driving after alcohol consumption. After the proper fulfillment of this time period, a driver’s SR-22 status will expire, and driving privileges will be restored.

How much does an SR-22 cost?

The cost of premiums varies depending on the severity of your violations. Minor offenses, such as neglecting to pay a parking ticket, are often paired with more affordable policies. However, major offenses, such as drinking under the influence, are more likely to raise your premiums.

Thank you for your interest in NCPA Insurance Services. With our convenient location in Downtown Carlsbad, CA, we can help insure all drivers in San Diego County! Call our office at (760) 720-9588 or request your quote today!