Finding SR22 Insurance For Texas
Here at SR22Savings we make it easy for you to find the right SR22 insurance Texas policy right from the comfort of your home. Let us shop for your SR22 insurance while you relax at home. Complete our online application and we will send your rates by text message.
Option 1
Texas Auto Insurance With SR22 Filing
We can help you find the most affordable auto insurance policy with an SR-22 filing attached. Our insurance agents can then forward the SR-22 and your insurance information to the Texas DMV on your behalf. This gives you the coverage you need to get your license back and continue driving legally on the road.
Option 2
Texas SR22 Non Owner Insurance
Non-owner insurance policies are for people who don’t have their own vehicle but drive occasionally.
The SR22 Savings team can send your SR-22 to the Texas DMV on your behalf. With this, you’ll have the liability insurance you need to get your license back and drive when you borrow a car.
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Texas SR‑22 Insurance FAQs
Updates: May 2026
Who needs an SR‑22 in Texas?
Short answer: Drivers who committed serious violations like DUI, driving uninsured, or repeated traffic offenses may be required to file an SR‑22.
Expanded explanation: Texas uses the SR‑22 to monitor high‑risk drivers. If the state believes you pose a financial responsibility risk, they require the SR‑22 to ensure you stay insured for the full mandated period.
How long do I need an SR‑22 in Texas?
Short answer: Most Texas drivers must keep an SR‑22 for 2 years, though some violations require 3 years.
Expanded explanation: The Texas DPS monitors your insurance status during the SR‑22 period. Any lapse resets the clock and may result in additional penalties or reinstatement fees.
How much does SR‑22 insurance cost in Texas?
Short answer: The SR‑22 filing fee is usually around $25, but the insurance cost depends on your record and whether you need owner or non‑owner coverage.
Expanded explanation: Texas rates vary widely based on age, violation type, and vehicle ownership. Many drivers choose non‑owner SR‑22 insurance because it’s the cheapest way to meet the requirement if they don’t own a car.
Can I get SR‑22 insurance in Texas without owning a car?
Short answer: Yes — Texas allows non‑owner SR‑22 insurance, which is often the most affordable option.
Expanded explanation: A non‑owner policy provides liability coverage when driving vehicles you don’t own. It satisfies the SR‑22 requirement and is ideal for drivers who need to reinstate their license but don’t currently have a vehicle.
How do I file an SR‑22 in Texas?
Short answer: Your insurance company must file the SR‑22 electronically with the Texas DPS.
Expanded explanation: Once you purchase a policy with SR‑22 filing, your insurer submits the form directly to the state. Filing is instant, and you can often reinstate your license the same day.
What happens if my SR‑22 policy lapses in Texas?
Short answer: If your SR‑22 lapses, the Texas DPS is notified and your license may be suspended again.
Expanded explanation: Texas requires continuous coverage. A lapse resets your SR‑22 period and may add additional reinstatement fees or penalties.
Does Texas accept out‑of‑state SR‑22 filings?
Short answer: Yes — Texas accepts out‑of‑state SR‑22 filings if you now live elsewhere but still owe Texas proof of insurance.
Expanded explanation: Your policy must meet Texas minimum liability limits even if you live in another state. Non‑owner SR‑22 policies often work best for this situation.
Can I switch insurance companies while I have an SR‑22 in Texas?
Short answer: Yes, but you must avoid any lapse in coverage.
Expanded explanation: Your new insurer must file a replacement SR‑22 before your old policy cancels. Even a one‑day gap can trigger a suspension.
How fast can I get SR‑22 insurance in Texas?
Short answer: Most drivers can get SR‑22 insurance in 10–15 minutes, and the filing is sent instantly.
Expanded explanation: Texas accepts electronic filings, so you can often reinstate your license the same day you purchase your policy.
Texas Non Owner SR‑22 Insurance FAQs
What is non‑owner SR‑22 insurance in Texas?
Short answer: Non‑owner SR‑22 insurance is liability coverage for drivers who don’t own a car but still need an SR‑22 filing.
Expanded explanation: It’s the cheapest way to meet Texas SR‑22 requirements. It covers you when driving borrowed vehicles and helps you reinstate your license without needing to purchase a car.
Is non‑owner SR‑22 cheaper in Texas?
Short answer: Yes — non‑owner SR‑22 is usually the lowest‑cost option.
Expanded explanation: Because it doesn’t insure a specific vehicle, premiums stay low. Many Texas drivers use non‑owner SR‑22 as a temporary solution until they buy a car again.
Does a non‑owner SR‑22 cover any car I drive?
Short answer: Yes — it covers you when driving vehicles you don’t own, as long as they’re not owned by someone in your household or family.
Expanded explanation: Non‑owner policies provide secondary liability coverage. They do not include comprehensive or collision coverage and do not apply to vehicles registered to you, family members, your household or vehicles you have regularly access to.
Can I reinstate my license with a non‑owner SR‑22 in Texas?
Short answer: Yes — Texas fully accepts non‑owner SR‑22 filings for reinstatement.
Expanded explanation: Once your insurer files the SR‑22 electronically, the DPS updates your record. Most drivers can reinstate their license the same day.
Can I switch from non‑owner SR‑22 to regular auto insurance later?
Short answer: Absolutely — you can convert your non‑owner policy to a standard auto policy at any time.
Expanded explanation: When you buy a car, your insurer updates your policy and keeps the SR‑22 active. This avoids any lapse that could restart your SR‑22 requirement.
SR22 AUTO INSURANCE TEXAS
Texas SR22 Basic Info
When you get a DUI or DWI on your record, your license will be suspended. Similarly, causing a crash when you don’t have an insurance policy or getting caught driving without one will also get your license revoked.
To get it back, the Texas Department of Transportation will require an SR-22. But after violations as serious as the ones mentioned above, auto insurance costs are going to skyrocket, making it expensive to get your SR-22.
This is why SR22 Savings helps Texas drivers find the most affordable car insurance policies in the state. We offer both regular insurance policies and non-owner insurance options for those who don’t own a vehicle but drive.
These insurance policies come with SR-22 attached, so you can get all the requirements you need to retrieve your license. Once you get in touch with our agents, we’ll send you verified rates and you can choose the policy with the lowest down payment plans that suit you best.
Our team can send both regular and non-owner SR-22 insurance to the Texas DMV on your behalf. The SR22 Savings team is composed of friendly car insurance experts who will help you understand your policy’s coverage and limitations and assist you in other things.
Get in touch with us today by calling 855-722-2728 or get started here.
According to the CDC, Texas had the highest number of total drunk driving fatalities between 2003 and 2011. Fortunately, the rate of DUI crashes and fatalities have been on a steady decline since then.
Despite this decline, though, Texas still sees thousands of DUI-related crashes every year. This violation may lead to you getting your license revoked. To get it back, the Texas Department of Transportation will require an SR-22.
This is documentary proof of financial responsibility from high-risk drivers. An SR-22 can only come from insurance providers after getting a policy to ensure that you can cover damages if you get back on the road and cause an accident through your driving.
In Texas, the minimum coverage equates to:
● $30,000 for the bodily injury or fatality of one person
● $60,000 for the bodily injury or fatality of two or more people
● $25,000 for damage to others’ property
Purchasing an SR-22 Auto Insurance Policy in Texas
Apart from getting serious violations like DUI, being caught driving or causing a crash without insurance can get your license revoked. After incidences like these, it can be costly to get an insurance policy since you’re now considered a high-risk driver.
This is where SR22 Savings can help. The company assists in finding the most affordable insurance policies with the lowest down payments in Texas. Our insurance agents shop the insurance market for you so you can get proper coverage at a price you can afford.
Whether you have existing car insurance, are looking for one, or need a non-owner policy, SR22 Savings can help you get the coverage you need to drive safely in Texas.
Call our friendly team at 855-722-2728 to get a free quote on a car insurance policy today.
Additional Resources in Texas
For complete details on how to reinstate your Texas driver’s license, contact your local Department of Motor Vehicles or visit the Texas DMV website. Keep in mind that SR-22 must be maintained for 3 years from the date of your license suspension, unless you get a judgment suspension.
Cost Factor
Typical Price in Texas
Notes
Monthly Non‑Owner SR‑22
$45–$60/mo
Texas is slightly higher due to DWI penalties
Monthly Owner SR‑22
$85–$140/mo
DWI convictions increase premiums sharply
One‑Time SR‑22 Filing Fee
$20–$35
Standard across most insurers
Annual Non‑Owner SR‑22 Cost
$540–$720/yr
SR22Savings passes savings directly to clients
Annual Owner SR‑22 Cost
$1,020–$1,680/yr
Depends on county + violation severity
How to Get an SR‑22 in Texas
Short Answer
To get an SR‑22 in Texas, purchase a liability or non‑owner SR‑22 policy and have your insurer file Form SR‑22 with the Texas DPS.
Long Answer
Texas requires SR‑22 filings for drivers with violations such as DWI, driving uninsured, or license suspension. The SR‑22 filing proves you carry the state’s minimum liability coverage. Once filed, the Texas DPS will process your reinstatement and begin your required filing period.
Steps to Get an SR‑22 in Texas
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Select an insurer authorized to file SR‑22s with the Texas DPS.
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Purchase a liability or non‑owner SR‑22 policy.
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Your insurer files Form SR‑22 electronically with the Texas DPS.
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Pay any reinstatement fees required by the state.
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Maintain continuous coverage for the full filing period (usually 2–3 years).