Drivers With a Suspended License
Drivers suspended after a crash, a judgment or certain convictions who need an SR22 to reinstate.
SR22 Insurance in Texas
An SR22 is a certificate your insurance company files with the Texas Department of Public Safety to show you carry the required liability coverage. We help you get it filed and keep it in place.
Who It's For
Drivers After a DWI
A DWI conviction is one of the reasons DPS lists for requiring an SR22.
Drivers Without a Car
People who need an SR22 on file but do not own a vehicle can use a non owner policy.
Drivers With Repeat No Insurance Convictions
A second or later conviction for driving without liability insurance can bring an SR22 requirement.
What It Covers
SR22 Filing
The insurance company files the certificate with DPS, listing your vehicles or showing a non owner policy. An insurance card or policy will not be accepted in its place.
Liability Coverage
At least the Texas minimum of 30/60/25, the coverage the SR22 certifies. Higher limits are available.
Non Owner SR22
Liability for a driver who does not own a vehicle and drives borrowed or rented cars, with the SR22 filed under that policy.
Owned Vehicle Coverage
If you own a car, the SR22 goes with your auto policy, which can also carry collision, theft and hail coverage, uninsured motorist and PIP.
Ongoing Monitoring
The insurance company notifies DPS if the policy cancels, terminates or lapses, which is why keeping it in force matters.
Texas and San Antonio Details
DPS requires an SR22 for reasons that include a crash related suspension, a civil judgment, a security deposit placed with DPS, a second or later conviction for driving without liability insurance, and convictions such as DWI, drug offenses and driving while license invalid. The SR22 certifies liability coverage of at least $30,000 per injured person, $60,000 per accident and $25,000 for property damage. Not every insurance company files SR22s, so the first step is a policy from one that does.
You must keep the SR22 on file for two years, counted from your most recent qualifying conviction or the date of the judgment. A new conviction can extend that period. DPS says processing can take up to 21 business days, so get the filing started as soon as you know you need it, and check your license eligibility with DPS before you let it go.
If the policy cancels or lapses, the insurance company notifies DPS, and your license and registration may be suspended again. Reinstating then takes a new SR22 and DPS reinstatement fees, plus anything else you owe. As an independent agency, we can request quotes from more than one insurance company, and we treat an SR22 as paperwork to get right, not a judgment about you.
Common Questions
What Is an SR22 in Texas?
A certificate your insurance company files with the Texas Department of Public Safety showing you carry at least the state minimum liability coverage. It is not a policy on its own. It is attached to an auto or non owner policy.
How Long Do I Need an SR22 in Texas?
Two years from your most recent qualifying conviction or the date of the judgment. A new conviction can extend that period, so check your license eligibility with DPS before you drop it.
Can I Get an SR22 Without a Car?
Yes. DPS points drivers who do not own a vehicle to a Texas non owner SR22 policy, which covers your liability when you drive a car you do not own.
What Happens If My SR22 Policy Lapses?
The insurance company notifies DPS, and your license and registration may be suspended again. Reinstating takes a new SR22 and DPS fees, so keep payments current and call us before the policy cancels.
How Long Does DPS Take to Process an SR22?
DPS says it may take up to 21 business days. Once the policy is in force, we confirm the insurance company has sent the filing.
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