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Written by:
Prachi Singh
Contributing Writer
Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
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Reviewed by:
Laura Longero
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Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

Under SR-22 requirements in Texas, you typically have to obtain and carry an SR-22 for two years.

An SR-22 insurance policy is a certificate of insurance that shows the Texas Department of Public Safety (DPS) proof of insurance for the future, as required by law. SR-22 insurance is not necessarily “high-risk” insurance. It is motor vehicle liability insurance which requires the insurance company to certify coverage to DPS, and the insurance company must notify DPS anytime the policy is canceled, terminated, or lapsed.

According to the Texas Department of Public Safety, the SR-22 is required for two years from the date of the crash, the date of conviction, or the date the judgment was rendered. You can look up details of SR-22 insurance in Texas on the state’s public safety website.

You do not need to own a car to buy this kind of insurance — some car insurance companies do non-owner SR-22 filings. You need to get the policy and SR-22 form from an insurance agent authorized to write liability insurance for Texas.

If the Texas DPS receives notification from the insurance company that the policy associated with your SR-22 is canceled, terminated, or lapses while you are required to keep it in force, your license and vehicle registration will be suspended.

The SR-22 certificate of financial responsibility can be required for a number of reasons in Texas. It is part of the driver’s license reinstatement process after:

  • driving under the influence of alcohol suspension
  • drug offense suspension
  • driving while license is suspended/invalid suspension
  • driving without insurance suspension
  • an uninsured crash resulting in your license being suspended
  • suspension of your driver’s license due to an unsatisfied judgment arising out of a traffic crash

How much does SR-22 in Texas cost?

The only way to determine exactly how much your SR-22 insurance policy will actually cost is to get a personalized quote. It pays to shop around and compare auto insurance quotes; for example, one insurance company may look at a DUI very differently than another.

However, the average yearly car insurance cost for Texas drivers for filing an SR-22 with one DUI is $2,701, or 64% higher than coverage without a DUI for SR-22, based on a CarInsurance.com rate analysis.

Visit our state page to find out more about Texas car insurance.

Michelle Megna contributed to this story.

Laura Longero

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Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Writer

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.