SR-22 Insurance
Spanish: Seguro SR-22
A state-filed certificate of financial responsibility proving a driver carries Texas minimum liability coverage.
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Definition
Quick Answer
An SR-22 is not an insurance policy. It is a certificate your carrier files with the Texas DPS to prove you carry at least 30/60/25 liability coverage. Texas usually requires one after a DWI, certain no-insurance convictions, or an uninsured-accident judgment, for two years from the conviction date. A-LA files SR-22s with DPS the same day.
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, certain driving-without-insurance convictions, or a court judgment from an accident while uninsured. 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.
Primary source: statutes.capitol.texas.gov/Docs/TN/htm/TN.601.htm
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