SR-22 Insurance in Texas
An SR-22 policy is auto insurance with a state filing attached. Your insurance company files a certificate with Texas DPS to prove you are covered, and it tells DPS if that coverage stops. If DPS says you need one, you need a company that will file it, and not every company does. We are an independent agency, so we compare companies that offer SR-22s and get the filing started with you.
How an SR-22 policy differs from regular auto insurance
The coverage itself is auto liability insurance, and it has to meet at least the same Texas minimums as any auto policy: 30/60/25, which means $30,000 for each injured person, up to $60,000 per crash, and $25,000 for damage to other people's property. What changes is everything around it.
Proof of coverage
With regular auto insurance, your insurance card is your proof. With an SR-22, your insurance company files a certificate with the Texas Department of Public Safety, and DPS will not accept a card or a copy of your policy in its place.
Who offers it
Most companies that write auto insurance in Texas can issue an SR-22, but not all of them offer it. We compare the ones that do.
If the policy stops
If an SR-22 policy lapses or is canceled, your insurance company tells DPS, and DPS can suspend your license and registration again.
How long it lasts
Texas sets the term: two years from your most recent conviction that requires it, or from the date of a crash judgment, not from the day you buy the policy.
When Texas requires an SR-22
DPS requires an SR-22 after certain convictions and suspensions. Its examples include:
- Driving while intoxicated, and drug offenses
- Driving while your license is invalid
- A second or later conviction for driving without insurance, unless you had insurance on the vehicle at the time
- A license suspension after a car crash, or a civil judgment filed against you
- Applying for an occupational driver license
Two years, counted from the conviction
Texas requires you to keep the SR-22 on file for two years from the date of your most recent conviction that requires it, or, for a judgment against you after a crash, two years from the date the judgment was rendered. The clock does not start when you buy the policy. If you file a year after the conviction, you have one year left, not two.
If the policy lapses or is canceled during those two years, your insurance company notifies DPS automatically. DPS can then suspend your license and vehicle registration again until a new SR-22 is filed and a $100 reinstatement fee is paid. Changing companies is fine, as long as the new SR-22 is filed before the old policy ends.
Non-owner SR-22 policies
You still need an SR-22 even if you don't own a vehicle. DPS points people in that spot to a Texas non-owner SR-22 policy. It pays for the damage and injuries you cause to other people when you drive a car you don't own. It does not cover the car itself.
If you own a vehicle, the policy behind your SR-22 needs to cover it. Tell us what you own and what you drive, and we will set it up the right way the first time.
From the DPS letter to the end of the two years
Find a company that offers it
Not every insurance company offers SR-22s. We compare the ones that do, for the vehicles you own or for a non-owner policy.
Get the filing started
Your insurance company files the SR-22 with DPS once the policy is in place. DPS can take up to 21 business days to process it, so starting early matters.
Keep it in force
A lapse during the two years means another suspension and another fee. We help you keep the policy and the filing in place when you change cars or companies.
Plan for when it ends
When the two years are up, we review the policy with you so your coverage fits what you need going forward. Compare regular auto insurance
What to have ready
Start with what you know. We will work through the rest.
- Your DPS letter, or the requirements on DPS's License Eligibility page
- Your driver license number
- The date of the conviction or judgment that requires the SR-22
- The vehicles you own, if any, and who drives them
- Your current or most recent auto policy
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SR-22 questions we hear
What is SR-22 insurance in Texas?
It is an auto liability policy with an SR-22 certificate on file. The SR-22 is the form your insurance company files with the Texas Department of Public Safety to show your coverage is in force. It is not a separate kind of insurance.
How is SR-22 insurance different from regular car insurance?
The coverage is the same kind of auto liability insurance, with the same Texas minimums. The difference is the filing: your insurance company files an SR-22 with DPS, tells DPS if the policy lapses or is canceled, and you keep it on file for two years from the conviction or judgment that requires it. Not every company offers SR-22s, so comparing matters.
How do I know if I need an SR-22 in Texas?
DPS tells you. It is listed in your reinstatement requirements, and DPS's License Eligibility page shows what you still need, including any fees. If you are not sure, call us with your DPS letter and we will go through it with you.
How do I get an SR-22 in Texas?
Buy an auto policy from a company that offers SR-22s, and that company files the SR-22 with DPS for you. DPS can take up to 21 business days to process it, and its License Eligibility page shows when it is received and what else you need, including any reinstatement fee. We set up the policy and get the filing started with you.
How long is an SR-22 required in Texas?
Two years from the date of your most recent conviction that requires it, or from the date a crash judgment was rendered. Filing late does not move that date. A new conviction can extend it.
Can I get SR-22 insurance if I don't have a car?
Yes. If you don't own a vehicle, you can get a Texas non-owner SR-22 policy. It covers your liability when you drive a car you don't own.
What happens if my SR-22 lapses?
Your insurance company notifies DPS automatically, and DPS can suspend your license and registration again until a new SR-22 is filed and a $100 reinstatement fee is paid. If you are switching companies, have the new SR-22 filed before the old policy ends.
Do all insurance companies offer SR-22s?
No. Most companies that write auto insurance in Texas can issue one, but not all of them offer it. We compare the companies that do.
How much does SR-22 insurance cost in Texas?
The SR-22 is a filing on an auto policy, so what you pay is the price of that policy. It depends on you and your vehicles, and it varies from company to company, which is why comparing matters.
Can you help with an SR-22 in Huntsville, Navasota or Bryan, TX?
Yes. The SR-22 is filed with DPS for the whole state, so the process is the same wherever you live in Texas. Call or start online, and we will take it from there.
Where the SR-22 facts come from: Texas Department of Public Safety, Financial Responsibility Insurance Certificate (SR-22) (opens in a new tab); Texas Department of Public Safety, SR-22 questions (opens in a new tab); Texas Department of Public Safety, Occupational driver license (opens in a new tab); Texas Department of Insurance, Auto insurance guide (opens in a new tab); Texas Transportation Code, Chapter 601 (financial responsibility) (opens in a new tab) Read October 31, 2026. Requirements and fees can change; the linked pages are the current word.
Get it filed and get back on the road
Call with your DPS letter in hand, or start online. A licensed agent finds a company that offers SR-22s for your situation and helps you keep the filing in place until you no longer need it.