What is an SR-22
An SR-22 isn’t a type of car insurance. It’s a form, officially called a Certificate of Financial Responsibility, that proves you carry the minimum liability insurance required by Texas law.
The Texas Department of Public Safety (DPS) requires this form to be filed for certain drivers as proof that they’re financially responsible on the road.
Why Would a Texas Driver Need an SR-22?
SR-22s are typically required after a serious traffic offense or repeat violations.
In Texas, you may be required to file an SR-22 for any of the following reasons:
- DWI or DUI conviction
- Driving without valid insurance
- Too many traffic violations in a short time
- Multiple at-fault accidents
- Driving with a suspended or revoked license
- Failure to pay court-ordered child support
- Applying for an occupational or hardship license
If the court orders it, you'll be informed during your hearing.
If it's a state requirement, you’ll usually receive a letter from the Texas Department of Public Safety.
How Do You Get an SR-22 in Texas?
If you already have an auto insurance policy, contact your insurance provider and ask if they offer SR-22 filings. If they do, they’ll submit the form to the state on your behalf, usually for a small fee.
Don’t have insurance yet or your insurer doesn’t handle SR-22s? You’ll need to shop for a new policy with a company that offers SR-22 filing. It’s important to mention up front that you need an SR-22, as not all companies provide this service.
What If You Don’t Own a Vehicle?
If you don’t own a car but still need an SR-22, for example, to reinstate your license, you can get a non-owner car insurance policy with an SR-22 filing.
This type of policy covers you when you’re driving a vehicle that isn’t yours and satisfies Texas' minimum liability coverage requirements.
How Much Does an SR-22 Cost in Texas?
The filing fee for an SR-22 in Texas is typically around $50, though it can vary by insurer. Keep in mind that this is just the filing fee, your overall insurance premium may increase as well.
Will My Insurance Rate Go Up?
Possibly. Because SR-22s are often associated with high-risk drivers, your premium may increase. The exact amount depends on several factors, including your:
- ZIP Code
- Driving history
- Type of vehicle
- Coverage level
How Long Do You Need to Carry an SR-22?
In Texas, most drivers are required to maintain an SR-22 for three years from the date of the offense or conviction.
During this time, it’s crucial that your insurance policy stays active. If your policy lapses or is canceled, your insurer is required to notify the Texas DPS, and your license could be suspended again.
How Do You Remove an SR-22?
Once your required filing period ends, your insurance company won’t remove the SR-22 automatically.
You must contact them to request its removal. At that point, your premium may decrease, though this isn’t guaranteed.
Need Help with SR-22 Insurance in Texas?
Navigating SR-22 requirements can be confusing, but you don’t have to do it alone.
Whether you need help filing, finding an insurer, or understanding your next steps, a licensed Texas insurance agent can walk you through the process.
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What is an SR-22 in Texas?
Looking for SR-22 insurance in Texas? Learn who needs it, how to file, what it costs, and how it affects your rates. Get the facts about Texas SR-22 requirements.
What is an SR-22 in Texas?
Looking for SR-22 insurance in Texas? Learn who needs it, how to file, what it costs, and how it affects your rates. Get the facts about Texas SR-22 requirements.
