An SR-22 is not an insurance policy — it's a certificate your insurance company files with the state on your behalf to prove you carry the minimum required coverage. Drivers facing license suspensions, DUI convictions, or serious traffic violations in Arizona and California typically need one filed before they can legally get back on the road.
Arizona and California both generally require an SR-22 filing to stay active for three years, though a court or the DMV can extend that period. Each state also sets its own minimum liability standards that your policy must meet before the filing goes through, so the right coverage depends on where you're driving.
Don't own a car? A non-owner SR-22 policy covers you when you're borrowing or renting a vehicle and still satisfies the state requirement. If you do own a vehicle, a standard auto policy with an SR-22 endorsement will typically do the job.
As an independent agency, we're not limited to one carrier's rules for high-risk drivers. We shop non-standard carriers that specialize in SR-22 filings to find coverage that fits your situation and keeps your certificate filed correctly from day one.