California SR-22 & High-Risk Auto Insurance
California requires 30/60/15 liability coverage and is an at-fault state.
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California at a Glance
30/60/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
SR-22 filing is required for drivers with DUI convictions, driving without insurance, repeated violations, or license suspensions ordered by the DMV. Most drivers with standard point violations—speeding tickets, at-fault accidents—do not need SR-22 but will face rate increases based on their violation severity and insurer response. California uses a negligent operator point system with a suspension threshold at 4 points in 12 months, 6 points in 24 months, or 8 points in 36 months.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
Cost Overview
$318–$437/mo
Typical monthly rate in California, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Number of points on DMV record—drivers approaching the 4-point/12-month suspension threshold face the highest rates
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See Carriers That Cover YouFrequently Asked Questions
How many points until license suspension in California?
California suspends your license as a negligent operator if you accumulate 4 points in 12 months, 6 points in 24 months, or 8 points in 36 months. A DUI is 2 points, reckless driving is 2 points, speeding or at-fault accidents are 1 point each. If you approach the threshold, you receive a warning letter from the DMV and may be required to complete a hearing or attend traffic school to avoid suspension. Once suspended, you must file SR-22 to reinstate your license.
Coverage Types
Liability Insurance
Covers injury and property damage you cause to others in an at-fault accident. California's 15/30/5 minimums are insufficient for most serious crashes—drivers with violations should carry 50/100/50 or higher to protect assets.
SR-22 Insurance
Certificate filed by your insurer to prove continuous coverage to the California DMV. Required for 3 years following DUI, uninsured driving, or license suspension.
Uninsured Motorist Coverage
Covers your medical bills and vehicle damage when you are hit by a driver without insurance or with insufficient coverage. Optional in California but recommended for all drivers.
Full Coverage
Combines liability, collision, and comprehensive coverage. Required by lenders and recommended for vehicles worth more than $5,000.
Non-Standard Auto Insurance
Policies designed for drivers with DUI, suspensions, lapses, or multiple violations who cannot obtain coverage from standard carriers. Offered by specialized insurers in California.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Subject to a deductible, typically $500–$2,000.