SR-22 Insurance Texas
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What Is an SR-22 in Texas?
An SR-22 insurance Texas certificate is a vehicle liability document that proves you carry the state-required minimum auto insurance coverage. The Texas Department of Public Safety (DPS) mandates an SR-22 for drivers who have been convicted of serious traffic violations, including DWI/DUI, driving without insurance, or causing an accident while uninsured.
Unlike standard auto insurance, an SR-22 is filed directly with the Texas DMV by your insurance provider. It verifies that you maintain continuous liability coverage throughout your required filing period.
Who Needs an SR-22 in Texas?
You may need an SR-22 Texas filing if you:
- Were convicted of DWI or DUI in Texas
- Were caught driving without insurance and received a conviction
- Caused an accident while uninsured
- Had your license suspended or revoked and need to reinstate it
- Have too many points on your Texas driving record
- Were ordered by a court to carry SR-22 coverage
Texas SR-22 Requirements
The state of Texas requires the following minimum liability coverage for SR-22 filers:
- Bodily Injury Liability: 5,000 per person / 0,000 per accident
- Property Damage Liability: 5,000 per accident
These are the Texas minimum car insurance limits. Many SR-22 customers choose higher limits for better protection. The standard SR-22 filing period in Texas is 2 years from the date of your conviction. Some violations require 3 years.
How to Get an SR-22 in Texas
- Contact a licensed Texas insurance agent – EZ Insurance Agency represents 30+ carriers who handle SR-22 filings
- Apply for a policy that meets Texas minimum liability requirements
- Pay your first premium – same-day coverage and SR-22 filing available
- We file the SR-22 directly with the Texas Department of Public Safety
- Receive your certificate – you will get a copy by email within hours
- Maintain continuous coverage – any lapse can restart your filing period
- Complete your probation – once your term ends, we cancel the SR-22 for you
SR-22 vs FR-44: What Is the Difference?
Texas also offers an FR-44 certificate for drivers convicted of more serious offenses. The key differences:
- SR-22: Standard liability limits (5k/0k/5k in Texas)
- FR-44: Requires higher property damage limits – typically double the standard minimum
Most first-time offenders need an SR-22. Courts typically order FR-44 for drivers with multiple DUI convictions.
SR-22 Insurance Cost in Texas
The cost of SR-22 insurance Texas varies based on your driving record, the violation type, and the carrier. Factors that affect your rate:
- Type of conviction (DUI, no insurance, at-fault accident)
- Number of previous violations
- Your age and driving experience
- Vehicle type and value
- Coverage limits you choose
Even with an SR-22 requirement, you still have options. We shop multiple carriers to find the cheapest SR-22 insurance available for your situation.
Non-Owner SR-22 in Texas
If you do not own a vehicle but need an SR-22, a non-owner car insurance Texas policy fulfills the requirement. This coverage provides liability protection when you drive a borrowed or rented vehicle and SR-22 filing with the Texas DPS.
What Happens If You Cancel Your SR-22?
Never cancel your SR-22 before the filing period ends. If you let your policy lapse:
- Your insurance provider notifies the Texas DPS within 30 days
- Your license may be suspended again
- The filing period restarts from the date of cancellation
- You may face additional fines and penalties
SR-22 FAQ
How long does an SR-22 last in Texas? Typically 2 years from your conviction date. Some violations require 3 years.
Can I get an SR-22 if I have a new violation? Yes, but your options may be limited. We work with high-risk carriers that specialize in SR-22 policies.
Do all Texas insurance companies offer SR-22? No – not all carriers file SR-22 certificates. We represent only the carriers that do.
Can I get an SR-22 with bad credit? Yes. While credit can affect your rate, we have carriers that do not heavily weight credit scores for SR-22 customers.
Why Austin Trusts EZ Insurance
Best Rates
We shop 30+ carriers for the lowest rate.
Fast Approval
Get approved in minutes. Same-day coverage.
Local Agents
Real Austin people who know Texas insurance.
Claims Help
Friendly support when you need it most.
What is Included
✓ SR-22 Filing
We file directly with the Texas DMV.
✓ Liability Coverage
State-minimum or full coverage options.
✓ FR-44 Available
Higher limits for serious violations.
✓ Non-Owner Policy
Coverage without owning a vehicle.
✓ SR-22 Reinstatement
Get your license back fast.
✓ Multiple Carriers
30+ options for best rates.
Available Discounts
Multi-Policy
Save up to 20%
Good Student
Up to 15% off
Safe Driver
Up to 30% off
Anti-Theft
Discount available
Pay in Full
Save upfront
Low Mileage
Under 10K miles/yr
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Frequently Asked Questions
How quickly can I get coverage?
Same-day coverage available. You will have proof immediately after approval.
What payment options do you accept?
All major credit cards, debit cards, bank transfers, and automatic payments.
Can I add more drivers to my policy?
Yes! Call us to add family members. We offer multi-driver discounts.
Do you offer payment plans?
Yes! Monthly, quarterly, and annual options with no interest.