SR-22 insurance in Texas is not actually a separate type of insurance but rather an SR-22 certificate, form, or filing that serves as proof of financial responsibility and may be required for high-risk drivers after a DUI conviction, license suspension or revocation, multiple traffic violations, or an at-fault accident while driving without insurance; if you’ve been required to file an SR-22 certificate in Texas, you’ll typically need to maintain the required Texas liability insurance for the duration specified by the state, and because SR-22 car insurance can be more expensive, comparing Texas car insurance options may help you find affordable coverage that meets your needs while allowing you to legally get back on the road.
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What is SR‑22 Insurance in Texas?
A Texas SR-22 is not a type of car insurance or a replacement for an auto insurance policy; instead, it is a certificate of financial responsibility that your insurance company files with the Texas Department of Public Safety (TxDPS) to prove that you carry the minimum liability insurance required by Texas law, and drivers who are required to obtain an SR-22 Insurance in Texas after certain violations or a court order may need to maintain the required coverage to regain or keep their driving privileges.
How much does SR-22 insurance cost in Texas?
While the Texas SR-22 filing fee is typically a one-time cost ranging from $15 to $50—often around $25—that you won’t have to pay again as long as you maintain continuous coverage with the same insurer, your overall premiums will likely increase due to your high-risk driver status, making it essential to shop around and compare SR-22 car insurance quotes with agencies like Freeway Insurance to secure an affordable price and save money.
What are the requirements for the SR-22 Insurance in Texas?
Whether you need a standard Texas SR-22 form or an SR-22a for repeat offenders filed electronically with the Texas Department of Public Safety (DPS) after a violation like a DUI—which can increase premiums by an average of 46.5%—you must maintain continuous coverage without any lapses for two years in Texas (or up to 3-5 years depending on the state, even if you move out-of-state), strictly adhering to the state’s minimum liability insurance requirements:
- $30,000 bodily injury liability per person.
- $60,000 bodily injury liability per accident.
- $25,000 property damage liability per accident
- (commonly referred to as 30/60/25 coverage).
Who needs SR22 in Texas?
In Texas and depending on state laws, you will be notified by the court or Motor Vehicle Department to file a Texas SR-22 insurance certificate (or FR-44) to reinstate your suspended or hardship license if you are required to place a security deposit with the DPS after a crash, or if you commit serious offenses including a DUI/DWI, refusing a breathalyzer, reckless driving, driving without insurance or with a revoked license, causing fatal at-fault accidents, accumulating repeated traffic violations in a short period, or failing to pay ticket fines and court-ordered child support.
How to Get SR-22 Insurance in Texas?
To successfully get your license reinstated and file a Texas SR-22 or non-owner SR-22 policy after contacting an insurance provider that handles high-risk drivers—such as Freeway Insurance or GEICO—to submit the electronic form to the Texas Department of Public Safety (DPS) for a $15 to $50 filing fee, you must follow these essential steps:
Contact an insurance company:
Call your current insurer or shop around and compare quotes from companies offering Texas SR-22 coverage to find the best rates.
Purchase adequate coverage:
Ensure your auto insurance policy meets or exceeds Texas’s minimum liability requirements (30/60/25 coverage).
Pay the filing fee:
Pay the one-time processing fee (typically $15 to $50) charged by your insurer to submit the certificate.
Wait for processing:
Allow up to 21 business days for the Texas DPS to process and update your electronic records.
Verify with the DPS:
Contact the Texas Department of Public Safety directly to confirm that your SR-22 has been successfully received and your requirement is met.
Cheapest SR22 insurance:
To secure the cheapest SR22 insurance for drivers with citations like a DUI, suspended license, or reckless driving—which can cost as low as $127 per month, saving you up to 51% below the national average—it is essential to use online tools or licensed agents to strictly compare auto insurance quotes, since your final rates heavily depend on your specific location and personal details.