If you’ve had your driver’s license suspended in Texas, you might be required to file an SR-22 to get back behind the wheel.
An SR-22, sometimes called a financial responsibility insurance certificate, verifies you have the minimum liability insurance required by Texas law.
Here’s what you need to know about getting and maintaining an SR-22 in the Lone Star State.
Why do I have to file an SR-22 in Texas?
Texas law might require you to file an SR-22 if your license has been suspended or revoked if:
- You’re convicted of a DUI or reckless driving.
- You’ve had multiple accidents or speeding tickets. /li>
What if I don’t have a car?
If you don’t own a car, you’re still required to file a Texas non-owner SR-22 and car insurance before you can get your license back.
What if I’m from another state?
If you have an SR-22 from another state, you must maintain it while driving in Texas. Your SR-22 is likely to be sufficient in Texas, but it’s best to verify coverage with the Texas Department of Public Safety and your insurer.
How much does an SR-22 cost?
Once you’ve purchased or renewed an insurance policy, most providers will charge a fee for filing the SR-22 — usually $20 to $50. But, it’s not the filing fee that’s most expensive when you’re required to file an SR-22 — you’ll typically see higher premiums than you’re used to.
How do I file an SR-22 in Texas?
- Find an insurer. Ask your insurer if it’s authorized to issue SR-22s in the state of Texas. If not, find a provider that is.
- Pay the SR-22 fee. Your insurer will charge you a processing fee for filing the SR-22.
- Verify minimum liability coverage. The minimum coverage amounts required by Texas law are:
- $30,000 for injury or death of one person
- $60,000 for injury or death to more than one person
- $25,000 damage to property
- Submit your SR-22. In Texas, your insurance provider will file the SR-22 on your behalf.
- Wait for confirmation. You’ll receive a letter from your insurer and the State of Texas that your SR-22 is accepted.
How long will I need an SR-22 for in Texas?
In Texas you’re usually required to carry SR-22 for at least two years, depending on your offense.
What happens if I let my SR-22 lapse?
SR-22s are often required after a driving conviction, such as driving without insurance or a DUI. After such a conviction, you’re considered a “high risk” driver by the state and most providers — which typically results in higher insurance rates. Still, you’ll find providers out there that specialize in high-risk drivers.
Talk to your provider about how much you can expect your rates to increase. Make sure you understand your role in maintaining your insurance and SR-22. A lapse or nonrenewal could cost you a lot of time and money.