California's high-risk insurance platform

Get covered in minutes.
Get back on the road.

We compare 25+ carriers to find the lowest rates for SR-22, DUI, and high-risk drivers across California — with guaranteed same-day filing.

Start your quote How it works
15,000+
Drivers helped
Same-day
Guaranteed SR-22 filing
25+
Insurance carriers
Partnered with leading insurance carriers
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How it works

Covered in three steps.

01
Get a quote

Answer a few quick questions and we'll search 25+ carriers for the best rates.

02
Compare rates

Review personalized quotes from multiple insurance companies, side by side.

03
Get covered

Choose your policy and get instant proof of insurance with same-day SR-22 filing.

We specialize in

Coverage for every situation.

01
DUI / SR-22

Specialized coverage for drivers with DUI convictions and SR-22 requirements.

02
Non-owner policies

Coverage for drivers who don't own a vehicle but need to maintain insurance.

03
High-risk drivers

Insurance solutions for drivers with multiple violations or accidents.

04
Young drivers

Affordable coverage options for new and young drivers.

05
Reinstated licenses

Get back on the road with proper insurance coverage after license reinstatement.

06
FR-44

FR-44 requirements for Virginia and Florida residents.

Get your quote

Get covered. Get back on the road today.

Everyone makes mistakes. We help you move forward. Specialized auto insurance for DUI, SR-22, and high-risk drivers throughout California.

Get Your Quote

What our customers say

15,000 drivers. Countless second chances.

After my DUI, I thought I'd never find affordable insurance. DriveSmart found me a policy the same day and filed my SR-22 instantly. Thank you!
Sarah M.San Diego, CA
The team at DriveSmart was incredibly helpful. They explained everything clearly and got me the best rate from multiple companies.
Michael R.Los Angeles, CA
I needed insurance fast to get my license reinstated. DriveSmart made it happen in one day. Professional and reliable service.
Jennifer K.Sacramento, CA
FAQ

Frequently asked questions.

What is SR-22 and do I need it?+

SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. You typically need it after a DUI, driving without insurance, or multiple violations. We can file it the same day.

How much does DUI insurance cost?+

DUI insurance costs vary based on your driving record, location, and coverage needs. On average, expect to pay 2-3x more than standard rates, but we help find the most affordable options available.

Can I get insurance immediately?+

Yes! We can provide instant proof of insurance and same-day SR-22 filing when you purchase a policy through our platform.

Do you work with multiple insurance companies?+

Absolutely. We partner with 25+ insurance carriers to find you the best rates and coverage options for your specific situation.

What if I don't own a car?+

No problem! We offer non-owner insurance policies that provide coverage when you drive other people's cars and satisfy SR-22 requirements.

How long do I need SR-22?+

Most states require SR-22 for 3 years, but it varies by state and violation. We'll help you understand your specific requirements and maintain your filing.

Ready to get back on the road?

Get your quote today and drive with confidence tomorrow.

Start your quote now