Cheap SR-22 Insurance in California
Prices reviewed 2026-11-13
Bottom line: California is one of the most expensive SR-22 states, especially after a DUI. Comparing carriers and choosing liability-only are the biggest levers.
Price levelAmong the priciest
Minimum limits30/60/15
SR-22 lengthAbout 3 years
Filed withCalifornia DMV
What SR-22 insurance costs in California
California SR-22 prices rank among the highest nationally, particularly in Los Angeles and the Bay Area. Minimums rose to 30/60/15 in 2025, nudging minimum-coverage prices up. On the upside, California bans credit-based pricing, so a weak credit score won't push your rate higher.
How to pay less in California
- Get several quotes. California DUI pricing varies by thousands between carriers.
- Ask about the Good Driver discount timeline, since it returns as violations age.
- Consider California's Low Cost Auto Insurance program if your income qualifies, and ask whether it meets your SR-22 needs.
California SR-22 rules that affect price
The DMV commonly requires three years of SR-22 filing after a DUI, and an interlock may also be required. Credit can't be used to set auto rates in California.
California SR-22 price questions
Why is California SR-22 insurance so expensive?
High claim costs, dense traffic and strict DUI rules all push prices up.
Does credit affect my California SR-22 price?
No. California prohibits credit-based auto pricing.
Price levels compare California with other states using published 2025 to 2026 industry rate studies. Confirm rules with the California DMV.