top of page

SR22 Insurance Informational Posts

Demystifying SR-22 Insurance in Texas: What You Need to Know

Navigating the insurance world can be daunting, and when you add specific requirements like SR-22 filings into the mix, things can become even more complex. If you're a Texas resident, you might have heard about SR-22 insurance and wondered what it entails. In this blog post, we'll dive into the details of SR-22 insurance in Texas, covering what it is, who needs it, how it works, and some key points to consider.

Understanding SR-22 Insurance

SR-22 insurance is not a standalone type of insurance policy; instead, it's a document filed by your insurance company with the state to prove you carry liability insurance coverage. This filing is often necessary for individuals deemed high-risk drivers due to specific driving violations or incidents.

Several situations might lead to the requirement of SR-22 insurance in Texas:

  1. Driving While Under the Influence (DUI) or if you are Driving While Intoxicated (DWI): If you've been convicted of a DUI or DWI, you'll likely need to file an SR-22 to reinstate your driving privileges.

  2. Serious Traffic Violations: Certain serious traffic violations, such as reckless driving or excessive speeding, can result in an SR-22 requirement.

  3. Driving Without Insurance: If you're caught in a car driving without insurance, your state may require you to file an SR-22 as proof of future coverage.

  4. Accidents Involving No Insurance: If you're involved in an accident and don't have insurance, you might need to file an SR-22 to regain your driving privileges.

How SR-22 Insurance Works

  1. Contact Your Insurance Provider: Contact your insurance company if you require an SR-22 filing. They will guide you through the process and let you know how the filing will affect your coverage and premiums.

  2. Filing the SR-22 Form: Your insurance company will file the SR-22 form with the Texas Department of Public Safety (DPS). This form verifies that you have the required liability coverage.

  3. Cost and Duration: The cost of SR-22 insurance varies based on your driving history and the insurance company. You'll need to maintain SR-22 coverage for a specific duration, usually three years. During this time, it's crucial to keep your insurance policy active and make all required premium payments to avoid any lapses in coverage.

Key Points to Consider

  1. Shop Around for Quotes: Since SR-22 insurance can be more expensive, it might be a good idea to shop for quotes from different insurance companies. While rates might be higher due to the SR-22 filing, comparing options can still help you find a more affordable deal.

  2. Maintain Good Driving Habits: While you have SR-22 auto insurance, keep in mind it's important to keep a clean driving record. Avoiding additional violations or accidents can help improve your driving reputation and reduce insurance costs.

  3. Understand Coverage: SR-22 is about proving you have the minimum required liability coverage, but it's wise to understand your policy in detail. Consider talking to your insurance agent to ensure you're adequately covered.


SR-22 insurance might seem like a complex process, but it's necessary for individuals who need to reinstate their driving privileges after certain violations. If you are in a situation where SR-22 insurance is required, remember to work closely with your insurance provider to navigate the process effectively. By understanding the ins and outs of SR-22 insurance in Texas, you can confidently fulfill your obligations and get back on the road with peace of mind.

65 views0 comments


bottom of page