How Does an SR-22 Requirement Impact Auto Insurance in Texas?

If you’ve been told you must file an SR-22 form in Texas, you may have questions about what it means for your auto insurance and driving future.

An SR-22 is not an insurance policy but a certificate your insurance company files with the Texas Department of Public Safety. This form verifies that you carry at least the state’s minimum required auto liability coverage.

Texas typically requires an SR-22 after certain driving violations, such as a DUI, driving without insurance, or repeated traffic offenses. The SR-22 proves that you’re maintaining financial responsibility as a high-risk driver.

Rates and Coverage

An SR-22 requirement often means you’re considered a higher risk by insurers. As a result, your auto insurance rates may increase. Not all insurance companies will offer policies to drivers who require an SR-22, so you may need to shop around for coverage.

While the SR-22 itself doesn’t change what your policy covers, it does require you to maintain continuous coverage. Any lapse or cancellation can result in your license being suspended again and may restart the SR-22 filing period.

What Should Texas Drivers Expect?

If you’re required to file an SR-22 in Texas, here’s what you can expect:

• You’ll need to work with an insurer authorized to file SR-22 forms with the state.
• The SR-22 requirement typically lasts two years, but the exact duration depends on your situation.
• Maintaining continuous coverage is crucial. Any lapse can lead to further penalties.
• Once the required period ends and you’ve maintained a clean record, you can usually remove the SR-22 and may qualify for lower insurance rates again.

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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.