SR-22 vs. Regular Auto Insurance: What’s the Difference?

Understanding your auto insurance options is essential, especially if you’re navigating unique requirements like an SR-22. At GD Tax & Insurance, we help California drivers understand SR-22 insurance and standard auto policies. Here’s what you need to know about the differences, when an SR-22 is required and how our team can support you.

What Is Regular Auto Insurance?

Most drivers have regular auto insurance. It typically includes liability protection and may also offer collision, comprehensive, uninsured motorist and other optional coverage. California law requires all drivers to maintain minimum liability limits to cover injuries or property damage in an accident.

What Is SR-22 Insurance?

An SR-22 isn’t actually a type of insurance policy; it’s a certificate your insurer files with the California Department of Motor Vehicles to prove you have the required liability coverage. SR-22s are often required for drivers considered “high risk.”

When Is an SR-22 Required in California?

You may need an SR-22 if any of the following is true:

• You’ve been convicted of a DUI or DWI.
• You were caught driving without insurance.
• Your license was suspended or revoked.
• You have multiple serious traffic offenses.

How We Help Drivers

Our team at GD Tax & Insurance understands the challenges of securing the right coverage, whether you need a standard policy or an SR-22 filing. We work with a range of insurance providers to find solutions that fit your needs and budget, and we handle the paperwork to keep you compliant with state regulations. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.