What Is SR-22 Insurance in Texas?
An SR-22 is not an insurance policy but a certificate of financial responsibility filed by your insurer with the Texas Department of Public Safety (DPS). It verifies that you carry at least the state’s minimum required auto liability coverage:
- $30,000 for bodily injury per person
- $60,000 for total bodily injury per accident
- $25,000 for property damage per accident
This form is typically required for drivers deemed high-risk due to certain violations or offenses.
Who Needs an SR-22 in Texas?
You may be required to file an SR-22 if you’ve been convicted of:
- Driving Without Insurance
- Driving While Intoxicated (DWI/DUI)
- Multiple Traffic Violations in a Short Period
- License Suspension or Revocation
- Serious At-Fault Accidents Without Adequate Insurance
The Texas DPS mandates the SR-22 to ensure that high-risk drivers maintain continuous insurance coverage.
How Long Is an SR-22 Required in Texas?
In Texas, you must maintain SR-22 coverage for two years from the date of your conviction or judgment. Failure to keep this coverage active can result in license suspension and additional penalties.
How to Obtain an SR-22 in Texas
- Contact Your Insurance Provider: Not all insurers offer SR-22 filings. If your current provider doesn’t, you’ll need to find one that does.
- Purchase the Required Coverage: Ensure you have at least the minimum liability coverage mandated by Texas law.
- Pay the Filing Fee: Most insurers charge a one-time fee of around $25 to file the SR-22.
- Insurer or Agent Files the SR-22: Your insurer or Agent can submit the form to the Texas DPS on your behalf.
- Maintain Continuous Coverage: Avoid any lapses in your policy during the required period.
For those without a vehicle, non-owner SR-22 policies are available and provide the necessary coverage to meet state requirements.
Consequences of Not Maintaining SR-22 Coverage
Failing to maintain continuous SR-22 coverage can lead to:
- License Suspension: The Texas DPS will be notified of any lapse, leading to immediate suspension.
- Reinstatement Fees: A $100 fee is typically required to reinstate your license.
- Extended SR-22 Requirement: The two-year period may reset, prolonging the duration you must carry the SR-22.
Tips to Lower SR-22 Insurance Costs
- Shop Around: Compare rates from different insurers to find the best deal.
- Increase Deductibles: Opting for higher deductibles can lower your premium.
- Bundle Policies: Combining auto insurance with other policies like homeowners or renters can lead to discounts.
- Maintain a Clean Driving Record: Avoid further violations to prevent additional rate increases.
- Take Defensive Driving Courses: Some insurers offer discounts for completing approved courses.
Need Assistance with SR-22 Insurance?
At Calyco, we specialize in helping Texas drivers navigate the complexities of SR-22 insurance. Our team can provide you with competitive quotes and ensure your SR-22 is filed promptly to get you back on the road.
Contact us today to learn more about our services and how we can assist you.
What does an SR-22 do in Texas?
An SR-22 proves to the Texas Department of Public Safety (DPS) that you carry the state’s minimum required auto liability insurance. It’s typically required after certain driving offenses and helps reinstate or maintain your driving privileges.
How long do I need to have an SR-22 in Texas?
Most drivers must maintain SR-22 coverage for two years from the date of their conviction or court order. However, the exact timeframe can vary depending on your specific case.
Can I get SR-22 insurance without owning a car in Texas?
Yes. You can purchase a non-owner SR-22 policy, which provides liability coverage when you drive a vehicle you don’t own. This is ideal for drivers who still need to meet DPS requirements but don’t currently own a vehicle.
How much does an SR-22 cost in Texas?
The filing fee is typically around $25, but the bigger cost comes from the increased insurance premiums due to your high-risk status.