Wayward Insurance
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Got a DUI? We've Got You Covered.

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Learn About SR-22
Judgment-Free Zone
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California SR-22 & High-Risk Rates — Compared

Sample monthly rates for California SR-22 minimum-liability coverage. Your rate depends on offense, ZIP, and vehicle.

Starting monthly SR-22 and high-risk auto insurance rates from California carriers
CarrierStarting RateCompare
The GeneralBest Value
$78/moSee rate
National General
$84/moSee rate
Bristol West
$92/moSee rate
Progressive
$108/moSee rate
Mercury
$119/moSee rate
Kemper
$127/moSee rate

Sample rates for California SR-22 minimum liability (30/60/15). Actual rates vary by driver profile, offense, ZIP, and vehicle.

We compare rates from top carriers

Progressive
GEICO
State Farm
Allstate
Farmers
Mercury
AAA
National General
Liberty Mutual
Nationwide
The General
Root
Progressive
GEICO
State Farm
Allstate
Farmers
Mercury
AAA
National General
Liberty Mutual
Nationwide
The General
Root
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Carriers Compared

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Avg. Annual Savings

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Minute Quotes

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Approval Rate

Why Choose Wayward?

Everyone deserves a second chance. We specialize in helping high-risk drivers find affordable coverage without the judgment.

SR-22 Specialists

We know the SR-22 process inside and out. Fast filing, competitive rates, and zero hassle. Most filings processed same day.

No Judgment Zone

DUI? Tickets? Lapsed coverage? We do not care about your past. We care about getting you the best rate going forward.

30+ Carriers Compared

We compare rates from carriers that actually want high-risk drivers. Not all insurers are created equal -- we find the ones that fit.

How SR-22 Filing Works

Getting back on the road is simpler than you think. Here is how it works with Wayward.

01

Tell Us Your Situation

Answer a few questions about your driving history. No judgment -- just the facts we need.

02

We Compare Rates

We check 30+ carriers that specialize in high-risk coverage to find your best rate.

03

Same-Day SR-22 Filing

Choose your policy and we file your SR-22 with the California DMV the same day.

04

You Are Covered

Get your proof of insurance and SR-22 certificate. You are back on the road legally.

What Our Clients Say

“After my DUI I thought I was done driving. Wayward found me SR-22 coverage at half what others quoted. Got my license back in weeks.”
AD

Anthony D.

San Diego, CA

“Zero judgment, real help. Filed my SR-22 same day and the rate was actually affordable. Life saver.”
RM

Rachel M.

Orange County, CA

“Multiple tickets had me paying insane rates. Wayward compared carriers and cut my premium by $200/month. Fresh start indeed.”
BK

Brian K.

Sacramento, CA

SR-22 & DUI Insurance FAQ

What is SR-22 insurance?+
SR-22 is not actually insurance -- it is a certificate that proves you carry the minimum required auto insurance. Your insurance carrier files it with the California DMV on your behalf. You typically need one after a DUI, driving without insurance, or too many points on your record.
How long do I need SR-22 in California?+
California typically requires SR-22 filing for 3 years. However, the exact duration depends on your offense. You must maintain continuous coverage for the entire period -- any lapse can reset the clock.
How much does SR-22 insurance cost?+
The SR-22 filing fee itself is typically $15-50. However, your auto insurance premiums will increase because you are now classified as high-risk. That is why comparing rates is crucial -- the difference between carriers can be $200-400/year or more.
Can I get SR-22 without owning a car?+
Yes. If you need SR-22 but do not own a vehicle, you can get a non-owner SR-22 policy. This provides liability coverage when you drive borrowed or rented vehicles and satisfies the DMV requirement.
Will a DUI affect my insurance forever?+
No. A DUI stays on your California driving record for 10 years, but its impact on your insurance rates decreases over time. Most carriers look back 3-5 years. After your SR-22 period ends and time passes, rates typically come down significantly.

Ready for a Fresh Start?

Everyone makes mistakes. What matters is what you do next. Compare rates from 30+ carriers and save on your SR-22 today.

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