SR22 Insurance After a Reckless Driving Conviction in San Diego A reckless driving conviction in San Diego can turn your driving life upside down almost overnight. California law requires you to file an SR22 certificate before you can legally get back behind the wheel — and if you miss the deadline, the DMV will suspend your license without warning. Understanding exactly what SR22 insurance for reckless driving in San Diego requires, what it costs, and how fast you can get compliant could be the difference between keeping your license and losing it entirely. Call us today at (619) 297-4111 for a free quote! What Is SR22 Insurance and Why Does Reckless Driving Trigger It? An SR22 is not a separate insurance policy — it is a certificate of financial responsibility that your insurance company files with the California DMV on your behalf. It proves you carry the state's minimum required auto liability coverage. In California, a reckless driving conviction under Vehicle Code ...