SR-22 insurance in Texas: requirements, how long, and costs
In Texas, an SR-22 proves to the Department of Public Safety (DPS) that you carry the state's minimum liability insurance. Most Texas drivers who need one must keep it for two years, and the insurer files it for you. New to SR-22s? Start with our complete SR-22 guide.
Who needs an SR-22 in Texas
According to Texas DPS, you must file an SR-22 if:
- Your driving privilege was suspended because of a crash
- You have a second or later conviction for driving without liability insurance (the requirement can be waived if you had insurance at the time and submit proof)
- A civil judgment from a crash was filed against you
- A security deposit is being placed with DPS for a crash-related suspension
Other suspensions, such as some DWI cases, often come with an SR-22 requirement too. Your DPS or court notice is the final word, so read it closely.
Texas minimum coverage for an SR-22
Your policy must meet at least the Texas minimums, often written as 30/60/25:
| Coverage | Minimum |
|---|---|
| Bodily injury, one person | $30,000 |
| Bodily injury, two or more people | $60,000 |
| Property damage | $25,000 |
Many drivers choose higher limits, because the minimums can run out quickly in a serious crash.
How long you need it in Texas
DPS requires you to keep the SR-22 for two years. The two years count from the conviction date, or from the date a crash-related judgment was made. Keep your policy active the whole time.
If your SR-22 lapses in Texas
Insurers automatically tell DPS when a policy is cancelled or lapses. If you're required to have an SR-22 and it isn't on file, or it lapses and a new one isn't filed in time, DPS can suspend your license and your vehicle registration. If you switch insurers, make sure the new SR-22 is filed before the old policy ends.
Costs in Texas
- Reinstatement fee: DPS lists a $100 reinstatement fee, plus any other fees you owe.
- Filing fee: your insurer may charge a small fee to file the SR-22, often about $15 to $50.
- Your premium: the biggest cost, and it varies a lot by insurer. Compare several quotes.
Non-owner SR-22 in Texas
If you don't own a car, Texas DPS suggests asking an insurer about a Texas non-owner SR-22 policy. It covers you when you drive cars you don't own, and lets you meet the SR-22 requirement without insuring a vehicle.
Steps to get your SR-22 in Texas
- Check your DPS notice for the reason and the dates.
- Find an insurer that files SR-22s in Texas. Genie can point you to a quoting partner.
- Buy at least 30/60/25 coverage and ask the insurer to file the SR-22 with DPS.
- Pay the $100 reinstatement fee and any other fees DPS lists.
- Keep the policy active for the full two years.
Common questions
Does an insurance card count instead of an SR-22 in Texas?
No. DPS says an insurance card or policy will not be accepted in place of an SR-22. The insurer must file the certificate.
Can I get a Texas SR-22 without a car?
Yes, through a non-owner policy. Ask the insurer to file the SR-22 with it.
When does my Texas SR-22 requirement end?
Two years from the conviction date, or from the date of the crash-related judgment. After that, ask your insurer whether the filing can be removed.
Sources
- Texas Department of Public Safety: Financial Responsibility Insurance Certificate (SR-22)
- CarInsurance.com: SR-22 costs and non-owner policies
General information only, not insurance, legal, or financial advice. Rules and prices vary by state and insurer; check your official notice.