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Texas SR-22 Insurance

Traffic violations shouldn’t be overlooked, especially when they result in you losing your driver’s license. To reinstate your license in Texas, you are most likely going to be expected to carry SR22 insurance for a set period of time.

SR22 insurance proves to the state of Texas that you are complying with their car insurance requirements and are covered in case of a car accident. Being required to file an SR-22 form is a serious matter and should be handled immediately.

The guide below can help you learn about SR-22 insurance and how to fulfill the requirements as a driver in Texas.

What is Texas SR-22 Insurance?

SR-22 insurance doesn’t provide drivers with coverage; it serves as proof of financial responsibility. An SR22 certificate proves to the Texas Department of Public Safety (DPS) that a driver carries at least the mandatory minimum amount of car insurance.

The SR-22 form is filed through your insurance provider, who then notifies the DPS and the DMV that you are complying with the Texas insurance law.

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

Depending on the circumstances of your case, you could be asked to file an SR22A which comes with more requirements beyond just informing your insurance provider.


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What is SR-22A insurance?

There are two different SR-22 Texas insurance requirements. You will either need to carry an SR-22 or an SR-22A.

There is little distinction between SR22 insurance and SR-22A insurance. At their core, they function the same way. Both insurance documents prove to the Texas government that you carry the mandatory minimum amount of insurance coverage needed to be a legal driver.

However, the reasons why each insurance form is distributed are different, according to Texas insurance laws. An SR-22A form is required for drivers who have had multiple traffic violations. In order to successfully file this form, they typically must pay six months of their insurance premiums in advance.

Who Needs SR-22 Insurance in Texas?

Not every driver in Texas needs SR-22 insurance. If you keep a clean driving record, you will never need to file one because you do not risk losing your license.

SR-22 insurance is only required in Texas if you are convicted of a major traffic violation that results in you losing your driver’s license for a period of time. The state of Texas will notify you when you are required to file an SR22, so you will never be left wondering.

SR-22 insurance is typically required in Texas after committing at least one of the following traffic violations:

  • Driving under the influence (DUI)
  • Driving without insurance
  • Reckless driving
  • Multiple traffic violations

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Texas Minimum Liability Car Insurance Requirements

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

However, in order to successfully file your SR-22 form, you just need to meet at least the state’s minimum car insurance requirements.

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

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

Every driver in Texas must carry at least the minimum liability auto insurance outlined by Texas insurance laws. Covering damages and injuries is a legal necessity that many states employ. Failure to do so can result in license suspension. A driver’s license suspension won’t just compromise your driving privileges but also greatly affects your auto insurance.

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

Liability insurance only provides coverage to the other driver following a car accident. It protects your finances, but that’s about it. Damage to your car and injuries you sustain will have to be covered by you unless you have policy add-ons like collision coverage and personal injury protection (PIP).

Adding this kind of coverage to your policy will increase your insurance rates, but it will be worth it should you end up in a serious car accident.

How Long Do Texas Drivers Need to Carry an SR-22?

The good news about SR-22 insurance 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 car insurance provider that you no longer need SR-22 insurance. They will then cancel the insurance.

In Texas, drivers are required to carry SR-22 insurance, on average, for a minimum of two years following the date of their conviction. This is less than the national average, which is three years.

However, it should be noted that SR22 requirement periods can vary based on the circumstances of your case. If this is not your first offense or your violation is gravely serious, your SR-22 insurance maintenance period can be longer than two years.

Failure to maintain your SR-22 insurance for the designated period can be very damaging to your driving record. If you let your insurance coverage lapse, you will be dropped by your insurance provider and stuck shopping for a new auto insurance policy.

How Do I Get an SR-22 Form in Texas?

This 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. Not only will shopping around be troublesome, but you will also have to pay the license reinstatement fee again and go through the SR-22 filing process once more.

Finding insurance coverage after a major traffic violation can be tricky, so if your insurer does not drop you, it is best to stay on top of your payments in order to avoid losing coverage.

If you are moving out of Texas before your SR-22 insurance period has ended, you will need to keep up with your SR-22 filing. This is done by staying on top of your insurance payments, meaning you cannot let your coverage lapse.

Prior to moving, you will need to find an insurance provider that operates both in Texas and the state you are moving to. The insurance coverage you purchase from your new provider must meet the minimum amount of coverage required by Texas. Doing this will keep up your Texas SR-22 insurance.

You will not need to file an SR-22 form with your new state as your violation originated in Texas. Failure to comply with Texas insurance laws can land you in hot water, and finding new insurance will become increasingly more difficult.

How Much Does SR-22 Insurance Cost in Texas?

How much your car insurance rates will cost after filing an SR-22 form in Texas depends on various things, like the circumstances of your conviction and what insurance provider you are with.

However, it is safe to assume your insurance rates will increase greatly. Being convicted of a major offense like a DUI will increase your rates the most. On average, drivers in Texas pay around $2,000 per year for car insurance after a DUI conviction.

You should be prepared for a significant increase in the amount of money you pay for your insurance premiums if you need to purchase SR-22 insurance. But, on a positive note, your auto insurance rates may not stay high forever.

Since SR22 requirements in Texas typically end after two years, you may see your insurance rates go back down once you drop the SR-22 insurance, but this is not guaranteed. A lot depends on how long your violation will stay on your driving record as that is the main piece of evidence insurance companies consult when determining your annual insurance premiums. It may take years for a major traffic violation to fall off your record and during that time you will have to handle the increased insurance costs.

Find Cheap SR-22 Auto Insurance Quotes

To find affordable car insurance rates in Texas, it is best to shop around and get quotes from a wide variety of insurance providers. Look at both local Texas insurance providers and national companies.

Be sure to analyze any policy you come across to find the best coverage that fits you, your vehicle, and your budget. Pretty much any insurance company will offer a free quote either online or over the phone, so shopping for coverage is relatively straightforward.

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. There may not be many, but asking never hurts.

Non-Owner SR-22 Insurance in Texas

Even if you do not own a car, you still need car insurance in Texas and may have your own SR22 requirements to fulfill. This can come after committing a traffic violation while in a vehicle borrowed or rented from another driver.

Just because you do not own a car does not mean you are off the hook for any insurance penalties that are bound to come your way. If you find yourself in such a situation, you will want to look into non-owner car insurance.

A non-owner insurance policy provides you with the necessary coverage and fulfills Texas’s minimum car insurance coverage requirements. With a non-owner insurance policy, you are recognized as an insured driver and thus can file your SR-22 form with the state of Texas.

It’s highly recommended that you obtain a non-owner insurance policy before filing SR-22 insurance. It will not go well for you if you are caught driving without insurance. Every registered driver in Texas needs to carry car insurance, and failure to comply with these mandates can result in some serious penalties, including needing SR-22 insurance.

Texas DUI and DWI Convictions

Drivers are held to a sober driving standard across the state of Texas. Nonetheless, insurance companies see drivers convicted of a DUI come in every day in search of SR-22 insurance.

A DUI is the most common reason for receiving an SR-22 filing requirement. A driver found with a blood alcohol concentration (BAC) equal to or greater than 0.08 will be charged with driving under the influence in Texas.

Even if this is your first offense, you will still have increased car insurance premiums and an SR-22 insurance requirement. On top of dealing with your insurance company, there are some serious legal penalties you will be hit with.

The information in the chart below explores what penalties you will be facing in the state of Texas should you be convicted of a DUI.

1st Offense
2nd Offense
3rd Offense
Jail Time
3 days
30 days
Two to Five Years
License Suspension
1 year
2 years
2 years

Texas Ignition Interlock Device (IID) Requirements

Texas is also one of many states to use an ignition interlock device in some DUI cases. A driver with more than two convictions in a five-year span will be more than likely required to have an ignition interlock device installed on their car in the State of Texas. No matter the DUI offense, the convicted driver will always be ordered to attend a Texas court-approved alcohol education program.

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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 insurance coverage they need. We understand that things can happen to good people, so we know that having the appropriate team on your side to assist you in correcting any driving mistakes is critical. The easiest approach to address an SR-22 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 your in Houstin, 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 right now and begin the process to get Insurance Navy™ coverage.

More about SR-22 Insurance from the Texas Department of Safety

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