Learn About SR22 Insurance

What is SR22 auto insurance?

An SR-22 is a certificate of insurance. When a driver’s license is suspended, the State of Texas will sometimes allow a driver to obtain a provisional license by submitting an SR-22 form.

What if I already have car insurance or don’t own a vehicle at all?

If you already have car insurance or don’t own a vehicle, you qualify for what’s called a ‘non-owners SR22 policy.’ A non-owner’s policy is a special policy that allows you to file an SR-22 form for very little money. Best of all, it’s a great way to fulfill your SR-22 requirement without a guaranteed rate-hike from your current insurance company. If you don’t own a vehicle, you also qualify for this policy. It’s a bonafide insurance policy but it’s secondary to any other coverage you might have. So, instead of paying thousands of dollars more, you can get a non-owners policy for about $300 or so.

What’s special about Texas SR-22 insurance?

The SR-22 is sent to the DPS and as long as the insurance policy attached to the form stays current, the license is valid. However, if at any time during the required period the insurance lapses or is cancelled, the DPS will be notified and the driver’s license can be suspended again and the required time period will start over.

How do I get an SR-22 form?

When a person purchases an insurance policy with an SR-22, they will be provided the form by the insurance company.

What do I do with the SR-22 form when I get it?

The form is submitted, along with the fine, to the Texas DPS. It can be mailed or submitted in-person at select DPS offices around the State of Texas.