SR22 insurance could be the right move for you. Check out this ultimate guide to SR22 insurance in Texas to find the right plan for you.
Did you know someone dies from a drunk driving accident every forty-five minutes? This statistic helps explain why the consequences of DWIs are so strict in states like Texas.
One of these consequences is the requirement to get SR22 insurance following a risky driving conviction. But, precisely what is SR22 insurance in Texas? And who needs it?
If you want to learn the answer to these questions, and more, you’re in the right place.
In this guide, we’ll break down everything you need to know about SR22 insurance. That way, you can be insured appropriately when you get back on the road.
What Is SR22 Insurance in Texas?
The Texas DMV or the courts likely asked you to get SR22 insurance if you were recently deemed a risky driver. While it’s often called SR22 insurance, it’s important to note that this isn’t actually a type of insurance.
Rather, it’s an attachment to your policy that’s intended to prove that you’re maintaining the appropriate amount of liability coverage.
In the event that your insurance policy becomes inactive, the SR22 filing will inform the Texas Department of Safety that you no longer have coverage. When this happens, they can revoke your license.
In Texas, your SR22 insurance will need to stay active for at least two years. Once this time passes, you can apply to get it removed.
Who Needs SR22 Insurance?
According to the state of Texas, there are three reasons why you might need SR22 insurance. First, you were in a car crash, which caused your license to be suspended.
Second, because you received two or more convictions for having No Motor Vehicle Liability Insurance.
Third, because a civil judgment was filed against you. Here are some of the most common reasons for needing SR22 insurance:
You were involved in a DWI or DUI
Reckless of negligent driving
You got several serious traffic violations in a short period of time
You were driving without car insurance
You got in an accident without insurance
You have a probationary license
If any of these apply to you, then reach out to the Texas Department of Motor Vehicles to see if it’s required for your case.
Minimum Liability Limits in Texas
As we mentioned in the first section, an SR22 is meant to prove that you have the minimum liability insurance that’s required by law in the state you’re living in.
So, what are the minimum liability coverage amounts in Texas? According to the Texas Department of Safety, in the event of an accident resulting in the injury or death of one person, you will need $30,000 worth of coverage.
In the event of the same type of crash with two or more people, you will need $65,000 worth of coverage.
Lastly, you will need $25,000 worth of coverage for any destruction to property in the event of a crash. SR22 Texas insurance ensures that you’re meeting these liability coverage requirements.
Do You Need SR22 Insurance If You Don’t Have a Car?
There may be certain situations where you want to reinstate your driver’s license, but you don’t have a car. For example, maybe you need to drive a company vehicle for work.
Or, you might travel to a new city and need to drive a rental car. If you fall into this category, you can still apply for SR22 insurance. However, instead of traditional owner insurance, you will need a non-owner policy.
A non-owner policy doesn’t come with any collision coverage. Since it’s written for an individual and not a vehicle, it only covers liability limits.
Keep in mind that non-owner SR22 insurance will not cover you if you’re in an accident with a vehicle that someone in your household owns. The good news is that this type of insurance tends to cost less than owner insurance.
How Much Does SR22 Insurance Cost in Texas?
The process of attaching an SR22 filing to your insurance policy doesn’t cost that much. It can depend on the insurance company, but typically the filing will only be $25.
However, the SR22 filing itself isn’t what costs a lot of money. It doesn’t matter if you live in Texas or any other state — an SR22 filing will increase your insurance premiums. When you think about it, this actually makes sense.
If you have a history of driving recklessly, you’re more likely to get into an accident. So, to compensate for this, insurance companies charge you more for your policies until you can prove you’re no longer a risk.
How to Find the Best SR22 Insurance in Texas
Sadly, not all SR22 insurance options are created equally. So, how do you find the best policy for your specific needs? First, we recommend working with a company specializing in SR22 insurance.
Experts will help you with what coverages and limitations your policy requires. They also work with high-risk drivers every day, so there’s no fear of potential judgment. Next, you want to compare multiple quotes.
You shouldn’t settle with the first SR22 insurance policy that lands at your feet. Keep searching until you find the perfect deal. Lastly, look for a company with a good customer approval rating.
This will help you get a good idea of what the average customer’s experience has been like. For example, here at SR22 Savings, we have a 99% customer approval rating.
Ready to Save Money? Contact SR22 Savings
We hope this article helped you learn more about SR22 insurance in Texas. Here at SR22 Savings, finding insurance coverage for high-risk drivers can be difficult and expensive.
That’s why we do everything we can to make the process easier for you. Whether adding coverage to your existing policy or finding a new one, we’ll ensure you get the car insurance you need.
What’s more, we’ll help you save money while doing it. So, contact us today if you’re ready for the coverage you deserve.