Who Needs an SR-22 in Texas?

If you’ve been told you need an SR-22 in Texas, you might be wondering what that really means—and how it affects your ability to drive. While it’s commonly referred to as “SR-22 insurance,” it’s not actually a separate policy. Instead, it’s a certificate that proves you’re carrying the minimum auto liability coverage required by the state.

Here’s what Texas drivers need to know about SR-22 filings and who they apply to.

What Is an SR-22?

An SR-22 is a form your insurance company files with the Texas Department of Public Safety (DPS). It verifies that you’ve met the state’s required liability coverage and that your insurance will notify the state if your policy lapses, cancels or is not renewed.

This filing is often required after certain driving-related violations. It acts as a way for the state to keep track of high-risk drivers and ensure continuous coverage.

Who Might Be Required to File One?

SR-22 filings are typically required for drivers who have had:

• A license suspension due to a DUI or DWI

• A serious at-fault accident without insurance

• Multiple traffic violations in a short period

• A conviction for driving without insurance

• A court order or judgment related to a traffic offense

If you fall into one of these categories, the state may require you to maintain an SR-22 filing for a specific period (often three years). Failing to keep your policy active during that time could result in additional penalties or a suspended license.

How to Get an SR-22 in Texas

Not every insurer offers SR-22 filings, so it’s important to work with an agency that does. Your carrier will file the SR-22 form with the Texas DPS on your behalf. Once filed, you’ll receive confirmation that your license status is compliant.

It’s also important to be aware that SR-22 filings may affect your premium. A knowledgeable agent can help you explore affordable policy options that meet the state’s requirements.

Learn More

A-Able Auto Insurance Agency can help you understand what an SR-22 filing involves and guide you through the process from start to finish. Contact us at our Dallas office today if you’ve been notified that an SR-22 is required and want help getting back on the road legally.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.