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SR-22 Insurance for Non-Owners in California
Key takeaways
- Minimum limits are now 30/60/15, up from 15/30/5.
- DUI suspensions commonly require 3 years of SR-22 filing.
- Interlock rules can complicate reinstatement for non-owners.
California's minimum liability limits rose to 30/60/15 at the start of 2025, so any non-owner SR-22 you buy now must meet those higher figures. Most filings stay in place for three years.
- Form required
- SR-22
- Liability minimum
- 30/60/15
- How long
- Typically 3 years
- Who processes it
- California DMV
How to get a non-owner SR-22 in California
- Check your status and requirements with the California DMV
- Buy a non-owner policy that meets 30/60/15
- Have the insurer file the SR-22 electronically
- Complete DUI programs and interlock steps if required
- Pay the reissue fee and keep coverage continuous
What makes California different
Beyond DUIs, California often orders an SR-22 after an accident that was reported on an SR-1 form while the driver was uninsured. Because California requires an interlock for many DUI offenses, drivers without a vehicle should ask the DMV how the requirement applies before buying coverage.
California questions drivers ask
Did the 2025 change raise non-owner SR-22 prices?
Somewhat. Minimum-limit buyers now carry roughly double the old bodily injury limits, which costs more.
What is the SR-1?
It's the accident report California drivers must file after certain collisions. Being uninsured at that time often leads to an SR-22.
State rules change. Confirm your requirements with the California DMV before you buy a policy.