SR-22 Insurance

SR-22 Insurance refers to a certificate of financial responsibility that an insurance carrier files with the Texas Department of Public Safety on behalf of a driver to prove the driver maintains the state-required minimum liability coverage of 30/60/25. The SR-22 itself is not an insurance policy — it is an official filing attached to an underlying auto policy. Texas drivers are typically required to carry an SR-22 after a DWI conviction, driving without insurance, an at-fault accident while uninsured, or repeated traffic violations. Under Texas Transportation Code Chapter 601, the SR-22 requirement normally lasts two consecutive years from the date of conviction, and coverage must remain continuous. If the underlying policy lapses, the insurer is required to file an SR-26 with DPS, which triggers further license suspension until a new SR-22 is filed — though the two-year end date stays anchored to the original conviction date and does not reset.