Affordable SR-22 Insurance in Texas

Q: What is SR-22 in Texas?

An SR-22 is not insurance. It is a financial-responsibility certificate your insurer files with the Texas Department of Public Safety to prove you carry at least the state’s minimum liability coverage so you can keep or reinstate your driving privileges.

Q: Who needs SR-22 Insurance in Texas?

High-risk drivers the state notifies after serious violations—such as DUI, driving without insurance, multiple traffic offenses, a suspended license, or multiple at-fault accidents—are typically required to file an SR-22.

Q: How long do drivers need an SR-22 Certificate in Texas?

Most drivers must maintain an SR-22 for at least two years from the conviction date. The period can vary by case, and continuous coverage is required—lapses or new qualifying violations may extend the requirement.

Q: How do I get an SR-22 Certificate in Texas?

Buy an auto policy from a company that files SR-22s, and ask the insurer to submit the form on your behalf to the state. A small filing fee usually applies, and you must keep the policy active to avoid cancellation and possible license re-suspension.

Q: How much does a Texas SR-22 Insurance Certificate Cost?

The SR-22 filing fee typically ranges from $15 to $25. This is separate from your auto insurance premium, which may be higher for a period due to the underlying violation that triggered the SR-22 requirement.

Low‑Cost SR‑22 Insurance Quotes in Texas

SR‑22 insurance proves to the state of Texas that you comply with their state financial responsibility requirements and have minimum motor vehicle liability insurance. Filing an SR‑22 certificate is a serious matter and should be handled immediately. According to the Texas Department of Public Safety (TDPS), An insurance card or policy will not be accepted in place of a SR‑22 (Proof of Financial Responsibility).

Insurance Navy provides cheap SR22 insurance in Texas and helps you fulfill your Financial Responsibility requirements as a driver in Texas. Get Instant SR‑22 filing and proof of insurance!

What is SR‑22 in Texas?

An SR‑22 is not a type of auto insurance policy but rather proof of financial responsibility for high risk drivers. An SR‑22 certificate proves to the Texas Department of Public Safety (Texas DPS) that a driver carries at least the state’s minimum liability insurance requirements.

An SR‑22 certificate is filed through your insurance company, which notifies the Texas DPS and the DMV that you comply with the Texas financial responsibility law.

You will likely need SR‑22 insurance after being convicted of a major traffic violation from a judgment. It is a necessary step to complete to get your driver’s license reinstated.

There are two different financial responsibility insurance certificates in Texas. You will either need to carry an SR‑22 or an SR‑22A.

There is little distinction between SR‑22 insurance and SR‑22A certificate. At their core, they function the same way. Both documents prove to the state government that you carry the mandatory minimum liability insurance coverage needed to be a legal driver.

However, the reasons why each certificate is different, according to state laws. SR‑22A form requirements are for drivers who have had multiple traffic violations. To successfully file this form, they typically must pay their auto insurance premiums six months in advance.

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Who needs SR‑22 Insurance in Texas?

Only high‑risk drivers need an SR22 insurance certificate. If you keep a clean driving record, you will never need to file one because you do not risk losing your driver’s license.

SR‑22 insurance in Texas is a requirement after a conviction of a major traffic violation that results in losing your driver’s license for a period of time. The state of Texas will notify you when you are required to file an SR‑22.

An SR‑22 insurance requirement in Texas comes after committing at least one of the following serious driving offenses:

Driving under the influence (DUI)
Driving without insurance
Multiple traffic violations
Driving on a suspended license
Multiple At‑Fault Accidents

Texas Minimum Liability Car Insurance Requirements

An SR‑22 insurance certificate proves to the state of Texas that you carry at least the state mandatory minimum coverage. When shopping for car insurance, it is highly recommended that you increase your coverage limits, as the minimums outlined by the state are not enough to fully protect you financially in a car accident.

However, to successfully file your SR‑22 form, you must meet at least the state’s minimum liability car insurance requirements.

In the state of Texas, the mandatory minimum liability coverage is:

$30,000 for bodily injury liability per person
$60,000 for bodily injury liability per accident
$25,000 for property damage liability coverage

Every driver in Texas must carry at least the minimum liability coverage outlined by state laws. Covering damages and injuries is a legal necessity that many states employ. Failure to do so can result in a drivers license suspension or revocation. A driver’s license suspension compromises your driving privileges and dramatically affects your policies rates.

When purchasing car insurance, you should also consider adding coverage that protects yourself and your car.

How long do drivers need an SR‑22 Certificate in Texas?

The excellent news about an SR‑22 in Texas is that you typically do not have to carry it forever. SR‑22 requirements have an expiration date that the state of Texas will inform you about following your conviction.

Once you hit that date, you are responsible for telling your insurance provider that you no longer need an SR‑22 policy. They will then remove the SR‑22 form from your auto insurance policy and inform the Department of Motor Vehicles.

In Texas, drivers must carry SR‑22 insurance, on average, for a minimum of two years following the date of their conviction. Texas’s SR‑22 requirements are less than the national average of three years.

However, SR‑22 requirement periods can vary based on the circumstances of your case. Suppose this is not your first offense, or your violation is serious. In that case, your SR‑22 maintenance period can be longer than two years.

Texas state law mandates drivers to maintain continuous coverage during their maintenance period. Failure to maintain an SR‑22 for two years without a lapse in coverage can result in additional enforcement actions. If a new conviction that requires an SR‑22 is reported, the length of your SR‑22 requirement may be extended.

How do I get an SR‑22 Certificate in Texas?

Finding SR‑22 insurance can be challenging as you have a less‑than‑favorable driving history, and many insurance companies are not too excited to offer coverage to high‑risk drivers.

Once you find a company providing high risk car insurance, they will file the SR‑22 for you with the state of Texas. The insurance company will charge a fee for filing an SR‑22 certificate on your behalf.

Finding a car insurance policy after a major traffic violation can be difficult. If your insurance policy lapses, the insurer is required by law to notify the DMV. An SR‑22 must remain active to avoid re‑suspension of your driver’s license.

How much does a Texas SR‑22 Insurance Certificate Cost?

Insurance companies frequently charge a one‑time SR‑22 filing fee, which is a small charge applied to cover the administration of this specific insurance requirement. The cost of filing an SR‑22 certificate typically ranges from $15 to $25.

For drivers required to submit an SR‑22 due to a lapse in coverage, getting at least the state’s minimum coverage is necessary. This minimum coverage is an additional charge separate from the SR‑22 filing fees.

The reason for filing an SR‑22 often causes an increase in auto insurance rates. Having an SR‑22 on your record can lead to higher premiums for a couple of years. Drivers are required to pay their insurance premiums regularly while the SR‑22 is in effect. Failure to make regular payments could result in the SR‑22 being canceled.

If a driver does not have auto insurance, obtaining a new policy quote that includes the SR‑22 filing is required. Drivers should inform their insurance agent about the SR‑22 filing requirement to ensure the correct documents are filed with the Department of Motor Vehicles.

Find SR‑22 insurance quotes in Texas

To find affordable auto insurance rates in Texas, you should shop around and get quotes from various car insurance companies.

Insurance Navy compares rates from the top Texas insurance companies to get you the best coverage at the lowest possible price, making it easy for drivers to get coverage without getting individual quotes from multiple companies.

If you have already found the lowest insurance rates possible for you, given your driving record, contact your insurance agent to see about any policy discounts you can qualify for to save even more.

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SR‑22 Insurance in Texas is Easy with Insurance Navy

Insurance Navy™ is here to help drivers get an SR‑22 certificate and the necessary insurance coverage. We understand that things can happen to good people, so having the appropriate team to assist you in correcting driving mistakes is critical.

The most straightforward approach to address an SR22 Insurance requirement is to contact us as soon as possible for a quote. A driver should always have coverage on their car to avoid any additional obstacles.

Contact our insurance agents or visit any Insurance Navy™ location throughout Texas. Whether in Houston, Dallas, Fort Worth, Austin, or San Antonio, Insurance Navy is here to help get you covered. Also, you can get a free quote for SR‑22 insurance coverage online and begin the process to of being an Insurance Navy™ policyholder. Learn more about SR‑22 Insurance from the Texas Department of Safety.