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Understanding SR-22 Insurance

What is an SR-22?

An SR-22 is not actually insurance – it's a certificate of financial responsibility that proves you have auto insurance meeting your state's minimum liability requirements. It's typically required after certain driving violations.

DUI/DWI Convictions

SR-22 required after driving under the influence charges.

License Suspension

Required to reinstate a suspended driver's license.

Multiple Violations

Too many traffic violations in a short period.

At-Fault Accidents

Accidents without proper insurance coverage.

How SR-22 Insurance Works in Texas

An SR-22 is a certificate of financial responsibility filed with the Texas Department of Public Safety (DPS) that proves you carry the state's minimum required auto insurance. The SR-22 itself isn't insurance – it's proof that you have insurance meeting Texas liability requirements.

When you purchase SR-22 insurance through A-LA Auto Insurance, we electronically file the SR-22 form with Texas DPS on your behalf, usually within 24 hours. The SR-22 certificate verifies you maintain continuous coverage for the period required by the state (typically 2-3 years).

It's crucial to maintain continuous coverage during your SR-22 requirement period. If your policy lapses, we're legally required to notify Texas DPS, which can result in license suspension and starting your SR-22 requirement period over from the beginning.

SR-22 Insurance Questions

How long do I need an SR-22 in Texas?

In Texas, SR-22 requirements typically last for 2-3 years depending on your violation. You must maintain continuous coverage for the entire period without any lapses to avoid license suspension.

How much does SR-22 insurance cost in Texas?

The SR-22 filing fee is typically $15-$50, but the underlying insurance premium is higher for high-risk drivers. Expect to pay 30-200% more than standard auto insurance, depending on your driving record.

Can I get SR-22 insurance without a car?

Yes! A non-owner SR-22 policy provides liability coverage when you drive cars you don't own. This is ideal if you don't have a vehicle but need SR-22 to maintain your license.

What happens if I let my SR-22 insurance lapse?

If your SR-22 insurance lapses, your insurance company notifies Texas DPS, which will suspend your license. You'll need to file a new SR-22 and your requirement period may restart.

How do I get SR-22 removed from my record?

After maintaining continuous SR-22 coverage for your required period, simply notify your insurance company. They'll file an SR-26 form with Texas DPS to remove the SR-22 requirement from your record.

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