Owner and non-owner SR-22 insurance, personal auto coverage and electronic California DMV filing assistance—all structured around how you actually own and use a vehicle.
The SR-22 certificate may be the same, but the insurance policy underneath it is not.
You Own a Vehicle
An owner auto policy is generally the appropriate structure.
The vehicle is listed and rated on the policy
Liability coverage applies according to the policy terms
Comprehensive and collision may be available
or
You Do Not Own a Vehicle
A non-owner policy may be appropriate if you also lack regular access to a specific vehicle.
No owned vehicle is scheduled on the policy
Generally provides liability coverage only
Vehicle ownership and regular use must be disclosed
Important: A non-owner policy is generally not intended to insure a vehicle you own or routinely drive. Tell us about household vehicles and regular access so the policy can be structured accurately.
Simple Process
From Quote to SR-22 Filing
The insurance policy must be active before the carrier can submit its proof of financial responsibility.
1
Tell Us Your Situation
We need to know whether you own or regularly use a vehicle, who drives and why the filing is required.
2
Select and Purchase
Review the available policy, coverage, premium and payment terms before authorizing the purchase.
3
Carrier Files Electronically
The carrier submits the SR-22 to the California DMV. State processing and other reinstatement steps remain separate.
Insurance Companies
Does Your Current Company Offer SR-22?
Learn how SR-22 filings generally work with several major insurers, then compare available alternatives if needed.
We help clients understand the insurance portion of California's reinstatement process and what information to verify with the DMV.
Explain the difference between the policy and SR-22 filing
Help identify owner versus non-owner coverage
Explain why continuous coverage matters
Provide policy and filing documentation
Direct clients to the appropriate authority for non-insurance requirements
Common Questions
California SR-22 and Auto Insurance FAQ
What types of SR-22 insurance does Sanctuary offer?
Sanctuary Insurance Services offers California owner and non-owner auto insurance options with SR-22 filings, subject to carrier eligibility and underwriting. An owner policy covers a listed vehicle, while a non-owner policy is intended for eligible drivers who do not own or regularly use a vehicle.
Can I buy regular auto insurance without an SR-22?
Yes. Sanctuary can help eligible California drivers obtain personal auto insurance even when no SR-22 filing is required. Available liability, comprehensive and collision options depend on the vehicle, driver, carrier and underwriting rules.
Do I need owner or non-owner SR-22 insurance?
You generally need an owner policy if you own a vehicle. Non-owner coverage is generally intended for an eligible driver who does not own a vehicle and does not regularly use a particular vehicle. Household and regular-use situations should be disclosed so the policy can be structured correctly.
Does Sanctuary file the SR-22 with the California DMV?
The insurance carrier submits the SR-22 electronically to the California DMV after an eligible policy is purchased and the filing is requested. DMV processing time is separate, and other reinstatement requirements may still apply.
Can I get comprehensive and collision coverage with an SR-22?
Potentially. An SR-22 is a financial-responsibility filing and does not prevent an eligible owner policy from including comprehensive and collision coverage. Availability, deductibles, vehicle eligibility and any photo requirements depend on the insurance carrier.
Does an SR-22 policy complete every license-reinstatement requirement?
No. The SR-22 satisfies the insurance filing requirement, but a driver may also need to complete DMV fees, a DUI program, an ignition interlock requirement, court obligations or other steps. The exact requirements should be confirmed with the California DMV or appropriate authority.
Get the Right California Policy
Start online for an SR-22 quote, or call to discuss whether your situation requires owner, non-owner or standard personal auto insurance.
CA License #6005600 · Sanctuary Insurance Services · Serving California
Coverage, eligibility, rates, payment options and filing availability are subject to insurance-carrier underwriting and policy terms. Sanctuary Insurance Services does not provide legal advice or control California DMV processing.